Maybe look for another application for your needs.
You are talking about totally changing the entire X-Cart Payment/Resigstration subroutine.
The X-Cart API is that it is open source. If you are looking for a list of variables or a documents tree, then I think you are SOL. X-Cart does not maintain anything like that AFAIK.
Sounds like an interesting project. I just think there may be better ways to implement your solution without hacking X-Cart up and making it a nightmare to upgrade.
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