Payment Method - defaulting rules user validation

We have a requirement to default Payment Method by adding User validation rules: This is a US based company having branches in Canada / Mexico

Electronic: For Vendors based on Vendor Bank country location and our disbursement is from a bank based on Canada in CAD currency. Typically for Canada based Vendors who invoice in CAD are paid from Canada disbursement bank in CAD

Wire: For Vendors based on Vendor Bank country location and our disbursement bank is in US bank. The Vendor could be any country outside US/Canada

Check : For all Vendors other than above, who invoice in USD currency.