protected CheckoutPaymentMethodModel PreparePaymentMethodModel(IList<OrganizedShoppingCartItem> cart)
        {
            var model = new CheckoutPaymentMethodModel();

            //reward points
            if (_rewardPointsSettings.Enabled && !cart.IsRecurring())
            {
                int rewardPointsBalance = _workContext.CurrentCustomer.GetRewardPointsBalance();
                decimal rewardPointsAmountBase = _orderTotalCalculationService.ConvertRewardPointsToAmount(rewardPointsBalance);
                decimal rewardPointsAmount = _currencyService.ConvertFromPrimaryStoreCurrency(rewardPointsAmountBase, _workContext.WorkingCurrency);

                if (rewardPointsAmount > decimal.Zero)
                {
                    model.DisplayRewardPoints = true;
                    model.RewardPointsAmount = _priceFormatter.FormatPrice(rewardPointsAmount, true, false);
                    model.RewardPointsBalance = rewardPointsBalance;
                }
            }

            var paymentTypes = new PaymentMethodType[] { PaymentMethodType.Standard, PaymentMethodType.Redirection, PaymentMethodType.StandardAndRedirection };

            var boundPaymentMethods = _paymentService
                .LoadActivePaymentMethods(_workContext.CurrentCustomer, cart, _storeContext.CurrentStore.Id, paymentTypes)
                .ToList();

            var allPaymentMethods = _paymentService.GetAllPaymentMethods();

            foreach (var pm in boundPaymentMethods)
            {
                if (cart.IsRecurring() && pm.Value.RecurringPaymentType == RecurringPaymentType.NotSupported)
                    continue;

                var paymentMethod = allPaymentMethods.FirstOrDefault(x => x.PaymentMethodSystemName.IsCaseInsensitiveEqual(pm.Metadata.SystemName));

                var pmModel = new CheckoutPaymentMethodModel.PaymentMethodModel
                {
                    Name = _pluginMediator.GetLocalizedFriendlyName(pm.Metadata),
                    Description = _pluginMediator.GetLocalizedDescription(pm.Metadata),
                    PaymentMethodSystemName = pm.Metadata.SystemName,
                    PaymentInfoRoute = pm.Value.GetPaymentInfoRoute(),
                    RequiresInteraction = pm.Value.RequiresInteraction
                };

                if (paymentMethod != null)
                {
                    pmModel.FullDescription = paymentMethod.GetLocalized(x => x.FullDescription, _workContext.WorkingLanguage.Id);
                }

                pmModel.BrandUrl = _pluginMediator.GetBrandImageUrl(pm.Metadata);

                // payment method additional fee
                decimal paymentMethodAdditionalFee = _paymentService.GetAdditionalHandlingFee(cart, pm.Metadata.SystemName);
                decimal rateBase = _taxService.GetPaymentMethodAdditionalFee(paymentMethodAdditionalFee, _workContext.CurrentCustomer);
                decimal rate = _currencyService.ConvertFromPrimaryStoreCurrency(rateBase, _workContext.WorkingCurrency);

                if (rate != decimal.Zero)
                    pmModel.Fee = _priceFormatter.FormatPaymentMethodAdditionalFee(rate, true);

                model.PaymentMethods.Add(pmModel);
            }

            // find a selected (previously) payment method
            var selectedPaymentMethodSystemName = _workContext.CurrentCustomer.GetAttribute<string>(
                 SystemCustomerAttributeNames.SelectedPaymentMethod, _genericAttributeService, _storeContext.CurrentStore.Id);

            bool selected = false;
            if (selectedPaymentMethodSystemName.HasValue())
            {
                var paymentMethodToSelect = model.PaymentMethods.Find(pm => pm.PaymentMethodSystemName.IsCaseInsensitiveEqual(selectedPaymentMethodSystemName));
                if (paymentMethodToSelect != null)
                {
                    paymentMethodToSelect.Selected = true;
                    selected = true;
                }
            }

            // if no option has been selected, let's do it for the first one
            if (!selected)
            {
                var paymentMethodToSelect = model.PaymentMethods.FirstOrDefault();
                if (paymentMethodToSelect != null)
                    paymentMethodToSelect.Selected = true;
            }

            return model;
        }
		protected CheckoutPaymentMethodModel PreparePaymentMethodModel(IList<OrganizedShoppingCartItem> cart)
        {
            var model = new CheckoutPaymentMethodModel();

            //reward points
            if (_rewardPointsSettings.Enabled && !cart.IsRecurring())
            {
                int rewardPointsBalance = _workContext.CurrentCustomer.GetRewardPointsBalance();
                decimal rewardPointsAmountBase = _orderTotalCalculationService.ConvertRewardPointsToAmount(rewardPointsBalance);
                decimal rewardPointsAmount = _currencyService.ConvertFromPrimaryStoreCurrency(rewardPointsAmountBase, _workContext.WorkingCurrency);
                if (rewardPointsAmount > decimal.Zero)
                {
                    model.DisplayRewardPoints = true;
                    model.RewardPointsAmount = _priceFormatter.FormatPrice(rewardPointsAmount, true, false);
                    model.RewardPointsBalance = rewardPointsBalance;
                }
            }

            var boundPaymentMethods = _paymentService
				.LoadActivePaymentMethods(_workContext.CurrentCustomer.Id, _storeContext.CurrentStore.Id)
                .Where(pm => pm.PaymentMethodType == PaymentMethodType.Standard ||
                    pm.PaymentMethodType == PaymentMethodType.StandardAndButton ||
                    pm.PaymentMethodType == PaymentMethodType.Redirection)
                .ToList();
            foreach (var pm in boundPaymentMethods)
            {
                if (cart.IsRecurring() && pm.RecurringPaymentType == RecurringPaymentType.NotSupported)
                    continue;
                
                var pmModel = new CheckoutPaymentMethodModel.PaymentMethodModel()
                {
					Name = pm.GetLocalizedValue(_localizationService, "FriendlyName", _workContext.WorkingLanguage.Id),
					Description = pm.GetLocalizedValue(_localizationService, "Description", _workContext.WorkingLanguage.Id),
                    PaymentMethodSystemName = pm.PluginDescriptor.SystemName,
                };

                // codehint: sm-add
                if (pm.PluginDescriptor.BrandImageFileName.HasValue())
                {
                    pmModel.BrandUrl = "~/Plugins/{0}/{1}".FormatInvariant(pm.PluginDescriptor.SystemName, pm.PluginDescriptor.BrandImageFileName);
                }

                //payment method additional fee
                decimal paymentMethodAdditionalFee = _paymentService.GetAdditionalHandlingFee(cart, pm.PluginDescriptor.SystemName);
                decimal rateBase = _taxService.GetPaymentMethodAdditionalFee(paymentMethodAdditionalFee, _workContext.CurrentCustomer);
                decimal rate = _currencyService.ConvertFromPrimaryStoreCurrency(rateBase, _workContext.WorkingCurrency);
                if (rate > decimal.Zero)
                    pmModel.Fee = _priceFormatter.FormatPaymentMethodAdditionalFee(rate, true);

                model.PaymentMethods.Add(pmModel);
            }
            
            //find a selected (previously) payment method
			var selectedPaymentMethodSystemName = _workContext.CurrentCustomer.GetAttribute<string>(
				 SystemCustomerAttributeNames.SelectedPaymentMethod,
				 _genericAttributeService, _storeContext.CurrentStore.Id);
			if (!String.IsNullOrEmpty(selectedPaymentMethodSystemName))
            {
                var paymentMethodToSelect = model.PaymentMethods.ToList()
					.Find(pm => pm.PaymentMethodSystemName.Equals(selectedPaymentMethodSystemName, StringComparison.InvariantCultureIgnoreCase));
                if (paymentMethodToSelect != null)
                    paymentMethodToSelect.Selected = true;
            }
            //if no option has been selected, let's do it for the first one
			if (model.PaymentMethods.FirstOrDefault(so => so.Selected) == null)
            {
                var paymentMethodToSelect = model.PaymentMethods.FirstOrDefault();
                if (paymentMethodToSelect != null)
                    paymentMethodToSelect.Selected = true;
            }

            return model;
        }