InstanceFactory.php

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<?php
namespace Magento\Payment\Model\Method;

use Magento\Payment\Api\Data\PaymentMethodInterface;

class InstanceFactory
{
    private $helper;

    public function __construct(
        \Magento\Payment\Helper\Data $helper
    ) {
        $this->helper = $helper;
    }

    public function create(PaymentMethodInterface $paymentMethod)
    {
        $methodInstance = $this->helper->getMethodInstance($paymentMethod->getCode());
        $methodInstance->setStore($paymentMethod->getStoreId());

        return $methodInstance;
    }
}