'payname' => $options{payname} || $cust_payby->payname,
'paytype' => $options{paytype} || $cust_payby->paytype,
'amount' => $amount, # consolidating
'payname' => $options{payname} || $cust_payby->payname,
'paytype' => $options{paytype} || $cust_payby->paytype,
'amount' => $amount, # consolidating