In this case, the separate operation of the two systems, as the class is Paypal, Payment by Creditcard class Extended derived from if you want to use two classes, it can be called via the PaymentFactory class.
In this case, thus separating the functions of the two systems into two classes are Paypal, Creditcard the Extended Payment from class to class 2 applications can be run via a class. PaymentFactory
In this case, is a separate function of the 2 system into 2 class is, by Paypal Creditcard Extended from class Payment if must use class both 2 can run through the class. PaymentFactory.