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Receiving:

Receiving works flawlessly, PROVIDED that you convince Netfax to send
0x12 instead of 0x11 to the Zyxel when starting to receive a new page.

Apparently the standard changed this over two years ago, and most other 
modems still also accept 0x11 as a compatibility kludge.

Sending:

The key to sending multiple pages is to throw out AT+FDT=a,b,c,d and
replace it with AT+FDT, and to set the desired parameters in a
AT+FDCC=a,b,c,d,e,f,g,h message sent when starting up.

A pre-made set of patches is available from ftp://ftp.cs.psu.edu/pub/fenner/
as a file called netfax.patches