Payment Method wording not needed when price is Zero, since no payment is selected and no payment is shown.
(http://www.protechsystems.us/stuff/joomla/vm/vm-checkout-noprice-payment.png)
"Cosmetic" issue. I understand it but i will not dedicate any time to it: anyone who want a better look for his/her checkout can easily modify its theme or buy a professional one.