payment_method_types 可选值（2026）：
["card","acss_debit","affirm","afterpay_clearpay","alipay","au_becs_debit","bacs_debit","bancontact","blik","boleto","cashapp","crypto","custom","customer_balance","eps","fpx","giropay","grabpay","ideal","klarna","konbini","link","mb_way","multibanco","oxxo","p24","pay_by_bank","paynow","paypal","payto","pix","promptpay","sepa_debit","sofort","swish","us_bank_account","wechat_pay","revolut_pay","mobilepay","zip","amazon_pay","alma","twint","kr_card","naver_pay","kakao_pay","payco","nz_bank_account","samsung_pay","billie","paypay","satispay"]