A user might be authorized to use both invoices and credit cards, as shown on checkout/billing_invoice_cc.jsp:

<%--
    The PaymentGroupDroplet is used here to initialize the user's CreditCard
    PaymentGroups and an InvoiceRequest PaymentGroup, as well as 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,invoiceRequest"/>
  <dsp:param name="initPaymentGroups" param="init"/>
  <dsp:param name="initOrderPayment" param="init"/>
  <dsp:oparam name="output">

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