the page is contained within the payment script so its payments/{whatever CC proccesor you use}
It's white and ugly for a reason though, the time it takes for the page to show and for you to get passed to the CC proccesor would be too quick to load a whole fancy page so you wouldnt get any benefit for making it look fancy.
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x-cart 4.0.5 (live and heavily modded)
Server: freebsd
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