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How does the payment method defaults on SO

Summary:

How does the payment method defaults when SO is created

Content (required):

While creating the order before entering order details, payment method gets defaulted to 'OnAccount'. How and where is this setup ? Can this be changed? or kept blank

To change to credit card, I got 2535731.1 note

Version (include the version you are using, if applicable):


Code Snippet (add any code snippets that support your topic, if applicable):

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