Steve, yes, this is for X-Payments. After all this is a forum about X-Payments and I am the manager of X-Payments project
Thank you for the suggestion - we may implement that in X-Cart v4.5.3 or 4.5.4 but we had to do that such layout due to technical reasons - in order to prevent creating false not-finished orders (they disturb our merchants a lot).
Anyway, we are launching this new feature this week and going to collect feedback about it to make improvements in future versions.