Sample zend_from + ViewDecorator

//form.php
<?php
use Zend_Form as ZendForm,
    Zend_Form_Element_Hidden as HiddenField,
    Zend_Form_Element_Text as InputField,
    Zend_Form_Element_Select as DropdownField,
    Zend_Form_Element_Textarea as TextArea;

class CollectionForm extends ZendForm {
    public function init() {
        $card = new \Zend_Form_SubForm;
        $card->setElementsBelongTo('Card');

        $fields['CardNumber']       = new InputField('CardNumber',array('required'=>true));
        $fields['ExpirationMonth']  = new InputField('ExpirationMonth',array('required'=>true));
        $fields['ExpirationYear']   = new InputField('ExpirationYear',array('required'=>true));
        $fields['SecurityCode']     = new InputField('SecurityCode',array('required'=>true));
        $fields['NameOnAccount']    = new InputField('NameOnAccount',array('required'=>true));

        foreach ($fields as $field) {
            $card->addElement($field);
        }

        $address = new \Zend_Form_SubForm;
        $address->setElementsBelongTo('Address',array('required'=>true));

        $fields = array();
        $fields['Street']   =  new InputField('Street',array('required'=>true));
        $fields['City']     =  new InputField('City',array('required'=>true));
        $fields['State']    =  new InputField('State',array('required'=>true));
        $fields['Zip']      =  new InputField('Zip',array('required'=>true));
        $fields['Country']  =  new InputField('Country',array('required'=>true));

        foreach ($fields as $field) {
            $address->addElement($field);
        }


        $card->addSubForm($address,'Address');
        $this->addSubForm($card,'Card');


        $fields = array();
        $fields['entryID']   =  new HiddenField('eventID');
        $fields['registrationID']     =  new HiddenField('registrationID');

        foreach ($fields as $field) {
            $this->addElement($field);
        }
    }
}

//index.php

$form = new CollectionForm;

$form->Card->ExpirationMonth = new Zend_Form_Element_Select('ExpirationMonth');
$form->Card->ExpirationMonth->addMultiOptions(array(
    "01"=>"01",
    "02"=>"02",
    "03"=>"03",
    "04"=>"04",
    "05"=>"05",
    "06"=>"06",
    "07"=>"07",
    "08"=>"08",
    "09"=>"09",
    10=>"10",
    11=>"11",
    12=>"12"));

$form->Card->ExpirationYear = new Zend_Form_Element_Select('ExpirationYear');
$years = range(date('Y'),date('Y')+10);

foreach($years as $year) {
    $options[$year] = $year;
}
$form->Card->ExpirationYear->addMultiOptions($options);

$form->Card->Address->State = new Zend_Form_Element_Select('State');
$form->Card->Address->State->addMultiOptions(array(
    "AL" => "Alabama",
    "AK" => "Alaska",
    "AZ" => "Arizona",
    "AR" => "Arkansas",
    "CA" => "California",
    "CO" => "Colorado",
    "CT" => "Connecticut",
    "DE" => "Delaware",
    "DC" => "District of Columbia",
    "FL" => "Florida",
    "GA" => "Georgia",
    "HI" => "Hawaii",
    "ID" => "Idaho",
    "IL" => "Illinois",
    "IN" => "Indiana",
    "IA" => "Iowa",
    "KS" => "Kansas",
    "KY" => "Kentucky",
    "LA" => "Louisiana",
    "ME" => "Maine",
    "MD" => "Maryland",
    "MA" => "Massachusetts",
    "MI" => "Michigan",
    "MN" => "Minnesota",
    "MS" => "Mississippi",
    "MO" => "Missouri",
    "MT" => "Montana",
    "NE" => "Nebraska",
    "NV" => "Nevada",
    "NH" => "New Hampshire",
    "NJ" => "New Jersey",
    "NM" => "New Mexico",
    "NY" => "New York",
    "NC" => "North Carolina",
    "ND" => "North Dakota",
    "OH" => "Ohio",
    "OK" => "Oklahoma",
    "OR" => "Oregon",
    "PA" => "Pennsylvania",
    "RI" => "Rhode Island",
    "SC" => "South Carolina",
    "SD" => "South Dakota",
    "TN" => "Tennessee",
    "TX" => "Texas",
    "UT" => "Utah",
    "VT" => "Vermont",
    "VA" => "Virginia",
    "WA" => "Washington",
    "WV" => "West Virginia",
    "WI" => "Wisconsin",
    "WY" => "Wyoming",
    "NA" => "Not applicable"
    )
);

$form->setView($view);
$view->assign('form',$form);
$view->setScriptPath('.');

$form->addElement('hidden','token');

$view->cost = $_SESSION['cost'];
$view->item = $_SESSION['package'];

//form.phtml

    <?php

        $form = $this->element;

        function addErrorsClass($form) {
            foreach($form as $item) {
                if ($item instanceof Zend_Form) {
                    addErrorsClass($item);
                }
                else {
                    if ($item->hasErrors()) {
                        $item->setAttrib('class','error');
                    }
                }

            }
        }

        addErrorsClass($form);
        $view = $form->getView();
        function addView($form) {
            global $view;
            foreach($form as $item) {
                if ($item instanceof Zend_Form) {
                    $item->setView($view);
                    addView($item);
                }
                else {
                    $item->setView($view);
                }

            }
        }

        addView($form);
    ?>


<div class="container">

<form id="checkoutForm" class="" action="" method="post">
    <?php echo $form->token->renderViewHelper()?>
    <div class="ib-cont row r">
        <label class="ib">Name on Card</label>
        <div class="ib input-wrapper">
            <?php echo $form->Card->NameOnAccount->renderViewHelper()?>
        </div>
    </div>

    <div class="ib-cont row r">
        <label class="ib">Credit Card No</label>
        <div class="ib input-wrapper">
            <?php echo $form->Card->CardNumber->renderViewHelper()?>
        </div>
    </div>

    <div class="ib-cont row">
        <label class="ib">Expiration</label>
        <div class="ib input-wrapper month">
            <?php echo $form->Card->ExpirationMonth->renderViewHelper()?>
        </div><!--
        --><div class="ib input-wrapper year">
            <?php echo $form->Card->ExpirationYear->renderViewHelper()?>
        </div>
    </div>

    <div class="ib-cont row">
        <label class="ib">CVV</label>
        <div class="ib input-wrapper">
            <?php echo $form->Card->SecurityCode->renderViewHelper()?>
        </div>
    </div>

    <div class="ib-cont row">
        <label class="ib">Address</label>
        <?php echo $form->Card->Address->Street->setBelongsTo('Card[Address]')->renderViewHelper()?>
     </div>


     <div class="ib-cont row">
            <label class="ib">City</label>
            <div class="ib input-wrapper">
                <?php echo $form->Card->Address->City->setBelongsTo('Card[Address]')->renderViewHelper()?>
            </div>
        </div>

        <div class="ib-cont row state">
            <label class="ib">State</label>
            <div class="ib input-wrapper">
                <?php echo $form->Card->Address->State->setBelongsTo('Card[Address]')->renderViewHelper()?>
            </div>
        </div>

        <div class="ib-cont row">
            <label class="ib">Country</label>
            <div class="ib input-wrapper">
                <?php echo $form->Card->Address->Country->setBelongsTo('Card[Address]')->renderViewHelper()?>
            </div>
        </div>

        <div class="ib-cont row">
            <label class="ib">Zip</label>
            <div class="ib input-wrapper">
                <?php echo $form->Card->Address->Zip->setBelongsTo('Card[Address]')->renderViewHelper()?>
            </div>
        </div>

        <div class="ib-cont row">
            <div class="ib secure">
                <ins class="ib sprite lock"></ins>
                <span>Pay using our secure server</span>
            </div>
            <div class="ib input-wrapper submit">
            <input id="Button1" type="submit" name="Submit" value="Checkout" class="button" />
            </div>
        </div>
</form>

</div>

//index.phtml

<?php
echo $this->form->setDecorators( array(
    'PrepareElements',
    array('ViewScript', array(
        'viewScript' => 'form.phtml'))))->render($this);
?>