payment_method.php

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<?php
declare(strict_types=1);

use Magento\TestFramework\Helper\Bootstrap;
use Magento\TestFramework\ObjectManager;
use Magento\Quote\Api\Data\PaymentInterface;

if (empty($quote)) {
    throw new \Exception('$quote should be defined in the parent fixture');
}

$objectManager = Bootstrap::getObjectManager();

$payment = $objectManager->create(PaymentInterface::class);
$payment->setMethod('checkmo');

$quote->setPayment($payment);