'exp' => $options{paydate} || $cust_payby->paydate,
'payname' => $options{payname} || $cust_payby->payname,
'paytype' => $options{paytype} || $cust_payby->paytype,
'exp' => $options{paydate} || $cust_payby->paydate,
'payname' => $options{payname} || $cust_payby->payname,
'paytype' => $options{paytype} || $cust_payby->paytype,