Creating a New Payment Method ?

Hi there, Daft question, but has anyone ever set up a new Payment Method ? I've checked PeopleBooks and there is nothing. 

Some background for you..

I am building and automated Bank reconciliation to feed into a book to bank reconciliation for both payable and receivable bank accounts. The complexity is with receivables, the semi-manual bank reconciliation page and credit card collections. So we have 4 different credit card collections (Amex, Visa, Mastercard and Diners) each with hundreds/thousands of transactions. As the 50% of the time the bank statement amount (a consolidated amount total per credit card company) for each credit card does not match the system transaction total, preventing automatic reconciliation due to various reasons (failures, no funds, etc..). So we need the user to