PaymentMethodValidationRule.php

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<?php
declare(strict_types=1);

namespace Magento\Quote\Model\ValidationRules;

use Magento\Framework\Validation\ValidationResultFactory;
use Magento\Quote\Model\Quote;

class PaymentMethodValidationRule implements QuoteValidationRuleInterface
{
    private $generalMessage;

    private $validationResultFactory;

    public function __construct(
        ValidationResultFactory $validationResultFactory,
        string $generalMessage = ''
    ) {
        $this->validationResultFactory = $validationResultFactory;
        $this->generalMessage = $generalMessage;
    }

    public function validate(Quote $quote): array
    {
        $validationErrors = [];
        $validationResult = $quote->getPayment()->getMethod();
        if (!$validationResult) {
            $validationErrors = [__($this->generalMessage)];
        }

        return [$this->validationResultFactory->create(['errors' => $validationErrors])];
    }
}