X-Cart supports two types of payment methods:
Offline payment methods (methods that allow customers to check out without submitting payment information). For example, Phone Ordering, Check, Money Order, Wire Transfer, COD etc.
Online payment methods (methods that allow customers to enter their payment information online, so you automatically receive the payment via the respective payment system). For example, Paypal, Authorize.Net, 2Checkout, Skrill, etc.
On the Payment settings page of your store Admin area, online payment methods can be found in the Online methods section. Offline payment methods can be found in the section Offline methods. You may need to scroll down the Payment settings page to be able to see it.
The INACTIVE/ACTIVE toggle displayed for every item on the list of payment methods can be used to control the availability of the method to customers:
The Configure button below each payment method name allows you to access the payment method settings: