PaymentMethodManagement.php

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<?php
declare(strict_types=1);

namespace Magento\Quote\Model;

use Magento\Framework\Exception\State\InvalidTransitionException;

class PaymentMethodManagement implements \Magento\Quote\Api\PaymentMethodManagementInterface
{
    protected $quoteRepository;

    protected $zeroTotalValidator;

    protected $methodList;

    public function __construct(
        \Magento\Quote\Api\CartRepositoryInterface $quoteRepository,
        \Magento\Payment\Model\Checks\ZeroTotal $zeroTotalValidator,
        \Magento\Payment\Model\MethodList $methodList
    ) {
        $this->quoteRepository = $quoteRepository;
        $this->zeroTotalValidator = $zeroTotalValidator;
        $this->methodList = $methodList;
    }

    public function set($cartId, \Magento\Quote\Api\Data\PaymentInterface $method)
    {
        $quote = $this->quoteRepository->get($cartId);
        $quote->setTotalsCollectedFlag(false);
        $method->setChecks([
            \Magento\Payment\Model\Method\AbstractMethod::CHECK_USE_CHECKOUT,
            \Magento\Payment\Model\Method\AbstractMethod::CHECK_USE_FOR_COUNTRY,
            \Magento\Payment\Model\Method\AbstractMethod::CHECK_USE_FOR_CURRENCY,
            \Magento\Payment\Model\Method\AbstractMethod::CHECK_ORDER_TOTAL_MIN_MAX,
        ]);

        if ($quote->isVirtual()) {
            $address = $quote->getBillingAddress();
        } else {
            $address = $quote->getShippingAddress();
            // check if shipping address is set
            if ($address->getCountryId() === null) {
                throw new InvalidTransitionException(
                    __('The shipping address is missing. Set the address and try again.')
                );
            }
            $address->setCollectShippingRates(true);
        }

        $paymentData = $method->getData();
        $payment = $quote->getPayment();
        $payment->importData($paymentData);
        $address->setPaymentMethod($payment->getMethod());

        if (!$this->zeroTotalValidator->isApplicable($payment->getMethodInstance(), $quote)) {
            throw new InvalidTransitionException(__('The requested Payment Method is not available.'));
        }

        $quote->save();
        return $quote->getPayment()->getId();
    }

    public function get($cartId)
    {
        $quote = $this->quoteRepository->get($cartId);
        $payment = $quote->getPayment();
        if (!$payment->getId()) {
            return null;
        }
        return $payment;
    }

    public function getList($cartId)
    {
        $quote = $this->quoteRepository->get($cartId);
        return $this->methodList->getAvailableMethods($quote);
    }
}