Hi,
About the modification you asked, the problems are :
- If we display the payment method but it's not possible to pay with, the user will be able to select it and "pay" with it. But it will fail so, the user won't understand why we list a payment method if he can't use it.
- If we display a message that the customer does not have any points but there are other payment method available in the store, the customer won't understand why the store tell him that he does not have any points because he have some payment method listed.
So, in your specific case it could be logical but if you change one little point of your payment configuration, it become illogical.
In your specific case, the best solution is to change the translation of the message "no payment method found" into "you don't have any points".
I understand that the customer can't know how many points are missing. But with the last HikaShop package, you can activate a new step module in your checkout workflow to display the user points.
You have to edit the plugin configuration (in the joomla plugin manager) of the plugin "HikaShop user points" (no the hikashop payment one) and activate the checkout step feature.
Regards,