SignTorch, thank you for the report.
As far as I can understand, there are three separate issues:
1) The E-Goods download link is not activated right after the order is processed.
2) The reward points are subtracted at checkout when the X-Payments payment method is selected.
3) PayPal declines an order with points with the "total mismatch" error (this error is not from X-Payments, but is sent by PayPal which validates/check the cart contents).
We were able to reproduce the first issue with E-Goods. As for the 2) and 3) could you please clarify which module for the reward points do you mean:
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http://www.x-cart.com/extensions/addons/loyalty-program.html
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http://www.x-cart.com/extensions/addons/customer-rewards-by-bcse.html