<strong>{$pay->text}</strong><input type="hidden" name="ref" value="{$pay->id}" />
{else}
<select name="ref" onchange="payment_submit(this.form)">
<strong>{$pay->text}</strong><input type="hidden" name="ref" value="{$pay->id}" />
{else}
<select name="ref" onchange="payment_submit(this.form)">