In administration panel go to Configuration => Configure modules
Select Payments module
Payment won't be displayed for the wholesalers.
If you select an online payment, you have to configure it.
Appears in a shopping cart when you move a mouse over a payment.
Check out which tags can you use.
If you want to enable an online payment.
Payments which are set as Active will be assigned to a shipment. Will be displayed in a shopping cart, when the shipment is selected.
The default payment will be automatically selected when choosing a shipment.
You can add a fixed amount or a percentage of the order value for a given payment.
In administration panel go to Sale => Payments
Payments list.