Checkout process question

I'd like the process bar to be a bit more inclusive. Please don't direct me to the help...I've read it several times and I'm a bit confused.

Right now there are two steps: Login and End

I'd like it to be:

Log-in, Payments, End

Also, when I choose credit card, it doesn't update automatically, I have to click next twice before it finishes...very confusing. How can I simplify this?

You need to change your checkout workflow. Right now, all the views of your checkout are on one step. You need to move them into two steps. For example, if you have the workflow:
login_address_shipping_payment_confirm_coupon_cart_status_fields,end
which is the default one, if you put:
login_address_shipping,payment_confirm_coupon_cart_status_fields,end
You will have a two steps checkout. You could do like that as well:
login_address_shipping,payment,confirm_coupon_cart_status_fields,end
All in all, it depends on what you want to do... Here is the documentation for that option which has a lot of explanation:
www.hikashop.com/support/documentation/5...config.html#checkout

Worked exactly how I wanted! Thank you!