Should unavailable options be grayed out or invisible to users?

One time payment flow One account type can only be paid through EFT. Other account types can be paid through both EFT or credit card. They have the option to make multiple payments (one after the other).

Question When the user is paying an account that can only be paid via EFT, should the credit card option be grayed out? Or should there be no payment options?

Thoughts If there are no options displayed, the screen is simplified, however, it may give the user the impression we only accept EFT.

So grayed out or not shown?