We would like to offer Bank Transfer as a payment option. This would work the same as current "Pay Later" option - except the customer would be given a message with the Store's banking details for the transfer. Also, they would not have to explicitly select "Pay Later".

Try opening up step2.ascx and moving the checked=true property of the radio button from "Pay Now" to the "Bill me Later" option

<asp:RadioButton runat="server" ID="rdbPayNow" Checked="true" GroupName="PaymentMethod" Text="Pay Now" AutoPostBack="true" OnCheckedChanged="rdbPayNow_CheckedChanged"/>
<asp:RadioButton runat="Server" ID="rdbLater" GroupName="PaymentMethod" Text="Bill me Later" AutoPostBack="true" OnCheckedChanged="rdbLater_CheckedChanged"/>
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At your service,
Dave Smith