It looks like coming in today really paid off. By being freed from distractions, I have been able to heavily concentrate on getting the credit card processing done. Currently, I can do the following:
In the process, my CTO and I have had a fun day arguing with one another over very minor issues. Both of us have frayed nerves and it's starting to show. Plus, my test suite for this module has turned into a load of crud. Of course, since I seem to have this working, all is forgiven :)
Tomorrow, I'll be working more on the credit card stuff as it's very fragile and extremely easy to break it. I'll have to set up callbacks for various functions to ensure that they can monitor their results from the central server without blocking.