If the user is authorized to use credit cards, the PaymentGroupDroplet is used on the checkout/billing_cc.jsp. A snippet of the code is shown below:

<%--
    The PaymentGroupDroplet is used here to initialize the user's CreditCard
    PaymentGroups, and an OrderPaymentInfo object to associate a PaymentGroup with
    the Order.
--%>

<dsp:droplet name="PaymentGroupDroplet">
  <dsp:param name="clear" param="init"/>
  <dsp:param name="paymentGroupTypes" value="creditCard"/>
  <dsp:param name="initPaymentGroups" param="init"/>
  <dsp:param name="initOrderPayment" param="init"/>
  <dsp:oparam name="output">

The PaymentGroupDroplet initialization is context dependent, so this page takes an initialization parameter called init that specifies whether the old PaymentGroupMapContainer and CommerceIdentifierPaymentInfoContainer should be cleared and reinitialized. During initialization the PaymentGroupDroplet creates CreditCard PaymentGroups that correspond to the user’s paymentTypes Profile property, and creates an OrderPaymentInfo that represents the payment information for the entire order. Once the user selects a PaymentGroup and hits Continue, the PaymentGroupFormHandler.applyPaymentGroups handler is invoked. This executes the moveToConfirmation pipeline chain and redirects the user to the subsequent portion of the purchase process.