It is likely that a payment gateway could have restrictions on when it can be used. For example, a finance based provider may require a certain order total amount, be restricted by geographical location or the items being purchased.
To determine if the gateway should be offered for the customer's session, use the availableForCart method within the payment driver:
public function availableForCart(Cart $cart): bool
{
$minAmount = setting('my_gateway.min_order_amount');
if ($minAmount !== null) {
return $cart->total()->inc()->value >= $minAmount;
}
return true;
}