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