Hi,
The "white box" on the right side comes from the template which adds the sidebar because you've configured a module to display there.
That module is the cart module. You've configured it to not output anything when it is empty, but the template still sees the module and thus still reserves the area for it.
I would recommend not displaying the cart module there if you don't plan on having other modules in the sidebar. Instead move it to a top position and configure it in "mini cart" mode.
Regarding the information displayed to the user, when you edit your payment method in System>Payment methods, you have a setting "information" where you can change that default text.