MethodList.php

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<?php
namespace Magento\Payment\Model;

use Magento\Framework\App\ObjectManager;
use Magento\Payment\Model\Method\AbstractMethod;

class MethodList
{
    protected $paymentHelper;

    protected $methodSpecificationFactory;

    private $paymentMethodList;

    private $paymentMethodInstanceFactory;

    public function __construct(
        \Magento\Payment\Helper\Data $paymentHelper,
        \Magento\Payment\Model\Checks\SpecificationFactory $specificationFactory
    ) {
        $this->paymentHelper = $paymentHelper;
        $this->methodSpecificationFactory = $specificationFactory;
    }

    public function getAvailableMethods(\Magento\Quote\Api\Data\CartInterface $quote = null)
    {
        $store = $quote ? $quote->getStoreId() : null;
        $availableMethods = [];

        foreach ($this->getPaymentMethodList()->getActiveList($store) as $method) {
            $methodInstance = $this->getPaymentMethodInstanceFactory()->create($method);
            if ($methodInstance->isAvailable($quote) && $this->_canUseMethod($methodInstance, $quote)) {
                $methodInstance->setInfoInstance($quote->getPayment());
                $availableMethods[] = $methodInstance;
            }
        }
        return $availableMethods;
    }

    protected function _canUseMethod($method, \Magento\Quote\Api\Data\CartInterface $quote)
    {
        return $this->methodSpecificationFactory->create(
            [
                AbstractMethod::CHECK_USE_CHECKOUT,
                AbstractMethod::CHECK_USE_FOR_COUNTRY,
                AbstractMethod::CHECK_USE_FOR_CURRENCY,
                AbstractMethod::CHECK_ORDER_TOTAL_MIN_MAX,
            ]
        )->isApplicable(
            $method,
            $quote
        );
    }

    private function getPaymentMethodList()
    {
        if ($this->paymentMethodList === null) {
            $this->paymentMethodList = ObjectManager::getInstance()->get(
                \Magento\Payment\Api\PaymentMethodListInterface::class
            );
        }
        return $this->paymentMethodList;
    }

    private function getPaymentMethodInstanceFactory()
    {
        if ($this->paymentMethodInstanceFactory === null) {
            $this->paymentMethodInstanceFactory = ObjectManager::getInstance()->get(
                \Magento\Payment\Model\Method\InstanceFactory::class
            );
        }
        return $this->paymentMethodInstanceFactory;
    }
}