Doodlekitty, Use the best scope you can find. You don't need an oil immersion lens, but a dissecting scope won't cut it. 400x should do (10x occular + 40x)
Luiz, Green capsules still contain lots of moisture. They should be sowed soon after harvesting. Cold storage + moisture = contamination. To store them in the fridge you really need to harvest mature seed from a split capsule, desiccate, and then store in the fridge. (Phal seeds are notorious for being short-lived)
The seed inside immature green caps does look kind of wet and grainy. They could be viable, but might not be. Presence of embryos doesn't guarantee viability. It sounds like they may have been harvested a little early.
If a capsule is green and has not split, it is sealed and any disinfectant won't affect the seed inside. But If contamination has spread through the capsule tissue, the seed may be ruined.
If disinfecting a green capsule, you may use whatever concentration you like - it won't kill the seed. If using bleach (6% Na Hypochlorite) you can just use a 1:10 ratio on dry seed, or higher concentrations on a green cap.
As for the number of seed capsules a Phal can set - I have no clue. I'd guess that 20+ is a little stressful to the poor plant. Kind of like a mama dog with 4,000 puppies.