Hi Robert,
Some good questions.
1) unless payment gate is a processor I believe you are asking if you can have a client that has not paid yet or a free signup. This is possible in effect that you could edit the redirect to processor page to stop there and simply give instructions for payment.
This would require a further mod of the scripting in effect having the ability to see the signups, and approving them after payment is confirmed.
2) the advertisers.php file is fully customizable, and a language file (where used) is included. It would need to be translated.
The demographic area can be turned on or off within the RevMax settings page. This allows it to show or not to on the signup page.
RevMax has no publisher payment method. RevMax only allows for publisher signup and approvals or not. OpenX has a reporting feature that can be run and checks mailed or wire transfers done at scheduled intervals to fit your needs.
You have two options in my opinion:
1) simply use OpenX as is, manually enroll publishers and advertisers with a simple mail to form, and use the built in reporting features.
2) Buy the source code for RevMax and modify to fit your needs. Though not complex and pretty well defined, it would require some knowledge in php and sql.
I give these options as RevMax is meant to interact with OpenX only after a confirmed payment has been made, simply automating some task that would require manual attention. If I am understanding your requirements you will be doing most of it manually anyway so you may find it to be money not well spent. However if your bank or processor has a call back method at all it should be fairly simple to integrate as RevMax includes an un-encrypted gateway file that could be used as a template or starting point for other integrations. This is included in the base price however your level of support will be dependent on your purchase price.
With the un-encrypted source files you could modify anything as you needed, however you would have no resale rights, nor any other than outlined in the read me. 1 OpenX installation on 1 server / domain.
Your best bet again would most likely be simply using OpenX without a plugin and a mail to form for enrollment.
Hope that helps.
Mike