I have the cart set up here 
http://pathologyservices.com/OnlineBillPay/OnlineBillPayDetails/tabid/114/ProductID/1/Default.aspx

Whenever you go to checkout, there is no payment method in the dropdown. I have a method, zone, and gateway all set up, but nothing shows in the dropdown. Any ideas why? Here are my payment settings http://imgur.com/a/ddHbE

latest version of dnn 7, latest version of the cart. Removing the one page checkout did fix the issue though. I'm ok with having the wizard checkout, but do you know why it was causing that problem?

Hi Dan,

I recommend setting the product weight to "0". You will notice that the shipping will not appear on the cart page. Then on the Step 1 page, the 2 labels that reference shipping (title and progress bar) can be changed in the resx file to reflect customer information. Currently, the cart doesnt have a config option to skip the step 1 screen as the name and address is used to populate the customer table.

Please let me know if this helps or if you have any additional questions or concerns. Thanks!