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Is it possible to change the Zero SubTotal Checkout function to allow anything less than or equal to zero?

So a negative grand total would not require a payment.

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Magento have an option for Zero checkout.

Admin > System > Configuration > Payment Methods > Zero Subtotal Checkout

Select as per you need.

Ref link : http://docs.magento.com/m1/ce/user_guide/payment/zero-subtotal-checkout.html

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