Okay this is part of an ajax driven shopping cart. the problem is i need to check for 2 different selections that would be for the same payment method. here is the code as it sits now

Code:
	if ( typeof document.checkout.payment[3] != 'undefined'){
				if (document.checkout.payment[3].checked == true)
				{ 
		
					if (document.checkout.cc_owner.value == "" )
					{errMsg += 'Please complete or verify the information in the Name on the card field in the \'Payment Method\' section.' + "\n";
					}
					else
					{
						if(document.checkout.cc_number.value == "")
						{
							errMsg += 'Please complete or verify the information in the Card Number field in the \'Payment Method\' section.' + "\n";
						}
						else
						{
							if(document.checkout.cc_cvv2.value == "")
							{
								errMsg += 'Please complete or verify the information in the CVC/CVV code field in the \'Payment Method\' section.' + "\n";
									
							}
							else
							{
								if(document.checkout.cc_phone.value == "")
								{
									errMsg += 'Please complete or verify the information in the Card company\'s telephone number field in the \'Payment Method\' section.' + "\n";
									
								}
								else
								{
									myCardNo = document.checkout.cc_number.value;
									myCardType = document.checkout.surcharge.value;
									if (!checkCreditCard (myCardNo,myCardType)) 
									{
										errMsg += 'Please complete or verify the information in the Card Number field in the \'Payment Method\' section.' + "\n";
									} 									
								}
							}
						}
					}
				}}
			}

the problem is in the first 2 lines i basically need it to do this, but when i do it like how i need it to be it will not work. it looks like i am doing it incorrectly maybe.

firebug gives me an undefined error on the first checked value because it does not exist when i need it to check for the 2 value.

Code:
if ( typeof document.checkout.payment[3] != 'undefined' || typeof document.checkout.payment[2] != 'undefined'){
				if (document.checkout.payment[3].checked == true || document.checkout.payment[2].checked == true)
				{ 
		
					if (document.checkout.cc_owner.value == "" )
					{errMsg += 'Please complete or verify the information in the Name on the card field in the \'Payment Method\' section.' + "\n";
					}
					else
					{
						if(document.checkout.cc_number.value == "")
						{
							errMsg += 'Please complete or verify the information in the Card Number field in the \'Payment Method\' section.' + "\n";
						}
						else
						{
							if(document.checkout.cc_cvv2.value == "")
							{
								errMsg += 'Please complete or verify the information in the CVC/CVV code field in the \'Payment Method\' section.' + "\n";
									
							}
							else
							{
								if(document.checkout.cc_phone.value == "")
								{
									errMsg += 'Please complete or verify the information in the Card company\'s telephone number field in the \'Payment Method\' section.' + "\n";
									
								}
								else
								{
									myCardNo = document.checkout.cc_number.value;
									myCardType = document.checkout.surcharge.value;
									if (!checkCreditCard (myCardNo,myCardType)) 
									{
										errMsg += 'Please complete or verify the information in the Card Number field in the \'Payment Method\' section.' + "\n";
									} 									
								}
							}
						}
					}
				}}
			}