osCommerce Skipjack & Check/Money Order fix...

We're looking for someone great with osCommerce & PHP to resolve an issue for us on a modified site (Template & CCGV). Our issues: 1) Orders place using the Check/Money Order option are allowing for downloading of files immediately. This needs to wait until we change the order status. 2) We are using the most recent SkipJack Credit Card Processing Module. If a card is declined, osCommerce proceeds with the order as if it were paid. As a result, osCommcerce is making downloads available without payment. We need this resolved quickly.