[eluser]simshaun[/eluser]
I prefer Zend's ACL, but would love to see it ported into CI and possibly redone to work faster if possible.
I like it because its all PHP based. Because its 100% PHP based (using arrays), it can be made to work with a number of different resources including database and hard-coding. Its what I call "ideal".
Authentication is cool, but I think is too application specific to implement a lib for.
Payment lib would be nice too, but I'd rather see ACL over it.
Most high-profile payment gateways provide class files and sample code for using their services.