PaymentMethods allows you to configure the payment methods accepted on the site, such as credit cards or PayPal.
To manage payment methods:
Commerce integrates with Website Payment Pro or CyberSource as the payment gateway out of the box. Other payment gateways can be configured by your developers.
Gift Cards work in a manner similar to Credit Cards.
iAPPS Commerce does not hold Gift Card balances. These must be managed through your Payment Gateway.