Fix duplicate token retrieval by using the correct payment method ID

[ricardo]

This PR fixes an issue where duplicate payment tokens were being created for non-card payment methods due to an incorrect payment gateway ID being used. Previously, tokenization worked correctly only for card payments but failed for other reusable payment methods like ACH or ACSS (in progress).

Changes proposed in this Pull Request:

• Ensure the correct payment gateway ID is used for token retrieval.
• Prevent duplicate payment methods from being saved in "My Account" and during checkout.

Testing instructions

Test 1: Reproducing the issue (on develop)

1. Switch to develop.
2. Add a product to the cart and proceed to checkout.
3. Select a reusable payment method other than card (e.g., ACH).
4. Enable "Save payment information to my account for future purchases.".
5. Complete the checkout.
6. Repeat steps 2–5.
7. Navigate to My Account > Payment Methods or return to checkout and observe that the payment method has been duplicated.
8. Delete the duplicated payment methods from My Account.
9. Add the payment methods again through My Account and observe that the duplication issue also happens from My account.

Test 2: Verify the Fix (on this branch)

1. Switch to this branch.
2. Repeat the same steps as Test 1 from checkout and from My Account.
3. Observe that the payment method is no longer duplicated.

Test 3: Ensure No Regressions (Card payments)

1. Switch to this branch.
2. Add a product to the cart and proceed to checkout.
3. Select the card payment method and enable "Save payment information to my account for future purchases.".
4. Complete the checkout process.
5. Repeat steps 2–4.
6. Verify that the card payment method is stored correctly without duplication.

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• Covered with tests (or have a good reason not to test in description ☝️)
• Tested on mobile (or does not apply)

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• Added testing instructions to the Release Testing Instructions wiki page (or does not apply)
• Added the needs docs label (or does not apply)
• Included this PR in the Release Thread scope (or does not apply)

[ricardo]

Setting an estimate of 1 as this took me some time to troubleshoot.