> Am I missing something?
I guess so.
If you added a new template you need to select that template in your shop configuration at X-Payments side. Check what you have at "Template" select box in your shop config at X-Payments side.
http://help.x-cart.com/images/5/57/XP2.0_example_store_details.png
There are also template settings for mobile shoppers and shoppers with 3D Secure enabled cards.