Do this, but with customer types specifically. https://support.americommerce.com/hc/en-us/articles/201906450-How-do-I-setup-Customer-Specific-Payment-Methods-

If we had the ability to have this with a specific customer type, it would help with scalability beyond just manually adjusting for each customer.

We have Commercial customers who use Purchase Orders, and regular customers who we'd like to enable Credit Cards and disable P.O. as a payment method.