Create a custom module. Let’s call it Ankur_Pay. Create these files: app/etc/module/Custom_Pay.xml with this content <?xml version = "1.0" ?> < config > < modules > < Ankur_Pay > < active > true </ active > < codePool > local </ codePool > < depend >< Mage_Payment />< Mage_Paypal /></ depend > <!-- add here all the payment modules you have so this module will be loaded last --> </ Ankur_Pay > </ modules > </ config > app/code/local/Custom/Pay/etc/config.xml <?xml version = "1.0" ?> < config > < modules > < Ankur_Pay > < version > 0.1.0 </ version > </ Ankur_Pay > </ modules > </ config > app/code/local/Custom/Pay/etc/system.xml <?xml version = "1.0" ?> < config > < sections >