Payment Methods Settings: Prevent disabling last method + fallback to Credit Card when no methods qualify

As a shopper reaches the Payment step, we’ve seen situations that leave them stuck with no way to pay and no guidance. Here’s how we’d like the system to handle it.

What’s happening

1. In Settings → Payments, it’s possible to turn off every “Show in Website” toggle. If the last visible method is switched off, checkout shows nothing—no payment options and a disabled “Place Your Order.”

2. If an admin lowers a payment method’s maximum below the shopper’s order total, the Payment step can end up with zero qualifying methods.
   Example: The order is $11,000 and the only method the shopper can use is Affirm. If someone reduces Affirm’s max to $10,500, the Payment section goes blank.

What we’d like

• Guardrail in Settings: When only one website-visible method remains, disable its toggle so it can’t be turned off. Add a tooltip: “At least one payment method must remain available on the website.”

• Credit Card as fallback: If no methods qualify due to order total exceeding all maximums, automatically fall back to Credit Card so checkout never shows a dead end.

• Admin info text: Add a small info note above the Payment Methods table:
  “ℹ️ If no payment methods are available for an order, Credit Card will always remain as the fallback option on the website.”

Why this matters

These cases are easy to create in settings but confusing for shoppers, causing abandoned carts and support calls. Guardrails and a clear fallback ensure customers can always pay.

Request

Please:

1. Make the last remaining website payment method non-toggleable (disabled control + tooltip).

2. Add Credit Card as the guaranteed fallback when no other methods qualify.

3. Display an info text above the Payment Methods table to clearly explain this rule to admins.