=item payby - `CARD' (credit cards), `CHEK' (electronic check/ACH),
`LECB' (phone bill billing), `BILL' (billing), `PREP` (prepaid card),
=item payby - `CARD' (credit cards), `CHEK' (electronic check/ACH),
`LECB' (phone bill billing), `BILL' (billing), `PREP` (prepaid card),