// Create the form
    $shoppingCart = new JFormer('paymentForm', array(
        'action' => '/'.str_replace($_SERVER['DOCUMENT_ROOT'], '', __FILE__),
        'submitButtonText' => 'Checkout',
        'style' => 'width: 650px;',
    ));

    // Create the form page
    $page = new JFormPage($shoppingCart->id.'Page', array(
        'title' => '
Billing Information
',
    ));

    // Create the form section
    $section = new JFormSection($shoppingCart->id.'Section', array());

    // Add components to the section
    $section->addJFormComponentArray(array(
        new JFormComponentName('name', 'Name:', array(
            'validationOptions' => array('required'),
            'middleInitialHidden' => true
        )),
        new JFormComponentAddress('billing', 'Billing Address:', array(
                'validationOptions' => array('required'),
            )),

        new JFormComponentMultipleChoice('billing_shipping', '',
            array(
                array('value' => '1', 'label' => 'My Shipping Address is different than my billing address'),
            ),
            array()
        ),
        new JFormComponentAddress('shipping', 'Shipping Address:', array(
            'dependencyOptions' => array(
                'dependentOn' => 'billing_shipping',
                'display' => 'hide',
                'jsFunction' => '$("#billing_shipping-choice1").is(":checked");'
            ),
                'validationOptions' => array('required'),


        )),
        new JFormComponentCreditCard('cc_info', 'Billing Information:', array(
                'validationOptions' => array('required'),
            )
        ),
        new JFormComponentMultipleChoice('terms', '',
            array(
                array('value' => 'agree', 'label' => 'I agree to the Terms and Conditions.'),
            ),
            array(
                'validationOptions' => array('required'),
            )
        )
    ));

    // Add the section to the page
    $page->addJFormSection($section);

    // Add the page to the form
    $shoppingCart->addJFormPage($page);

    // Set the form session variable
    $_SESSION[$shoppingCart->id] = $shoppingCart;

// Set the function for a successful form submission
function onSubmit($formValues) {
    $formValues = $formValues->contactFormPage->contactFormSection;

    // make comment that would show what a comment would look like.

    if(!empty($formValues->name->middleInitial)) {
        $name = $formValues->name->firstName.' '.$formValues->name->middleInitial.' '.$formValues->name->lastName;
    }
    else {
        $name = $formValues->name->firstName.' '.$formValues->name->lastName;
    }

    $message['failureHtml'] = '
Thanks for Commenting
Your comment has been successfully submitted.
';

    return $message;
}

// Process any request to the form
$shoppingCart->processRequest();