Last week I was writting such case (multiple payment gateway) in app I'm
currently working on, and then I decided to extract this code as standalone
module and make it accessible to all. It looks that it has the features
you're asking for.

The module handles payment checkout flow internally, talking with the
payment server, and as a developer you just need to provide a piece of
configuration and then enable the payment controller in your app. Then you
can write simple pluggable payment method objects, responsible for verifying
status responses etc. 

The code and description is here: 
http://lifeinide.blogspot.com/2010/12/multi-payment-gateway-module-for-zend.html
http://lifeinide.blogspot.com/2010/12/multi-payment-gateway-module-for-zend.html
 
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