diff --git a/vehicles/src/common/enum/payment-method-type.enum.ts b/vehicles/src/common/enum/payment-method-type.enum.ts
index 4e1aa8803..21cf17684 100644
--- a/vehicles/src/common/enum/payment-method-type.enum.ts
+++ b/vehicles/src/common/enum/payment-method-type.enum.ts
@@ -25,11 +25,17 @@ export type PaymentMethodTypeReport =
 
 export type CfsPaymentMethodType = Extract<
   PaymentMethodType,
-  PaymentMethodType.ICEPAY | PaymentMethodType.CASH | PaymentMethodType.CHEQUE
+  | PaymentMethodType.ICEPAY
+  | PaymentMethodType.CASH
+  | PaymentMethodType.CHEQUE
+  | PaymentMethodType.GA
+  | PaymentMethodType.POS
 >;
 
 export const CfsPaymentMethodType = {
   [PaymentMethodType.ICEPAY]: PaymentMethodType.ICEPAY,
   [PaymentMethodType.CASH]: PaymentMethodType.CASH,
   [PaymentMethodType.CHEQUE]: PaymentMethodType.CHEQUE,
+  [PaymentMethodType.GA]: PaymentMethodType.GA,
+  [PaymentMethodType.POS]: PaymentMethodType.POS,
 } as const;
diff --git a/vehicles/src/common/helper/common.helper.ts b/vehicles/src/common/helper/common.helper.ts
index 44e5f605a..b7f1ed268 100644
--- a/vehicles/src/common/helper/common.helper.ts
+++ b/vehicles/src/common/helper/common.helper.ts
@@ -1,3 +1,8 @@
+import { Cache } from 'cache-manager';
+import { CacheKey } from '../enum/cache-key.enum';
+import { getFromCache } from './cache.helper';
+import { FeatureFlagValue } from '../enum/feature-flag-value.enum';
+
 /**
  * Evaluates the given predicate and returns the value if the predicate is true or the value is not null, otherwise returns undefined.
  *
@@ -19,3 +24,27 @@ export const undefinedSubstitution = <T>(
 
   return result;
 };
+
+/**
+ * Determines if a feature is enabled by checking the value of a feature flag in the cache.
+ *
+ * @param {Cache} cacheManager - The cache manager to retrieve the feature flag value.
+ * @param {string} featureFlag - The feature flag to be evaluated.
+ * @returns {Promise<boolean>} - A promise that resolves to true if the feature flag is enabled, otherwise false.
+ */
+export const isFeatureEnabled = async (
+  cacheManager: Cache,
+  featureFlag: string,
+): Promise<boolean> => {
+  const featureFlagValue = (await getFromCache(
+    cacheManager,
+    CacheKey.FEATURE_FLAG_TYPE,
+    featureFlag,
+  )) as FeatureFlagValue;
+
+  if (featureFlagValue !== FeatureFlagValue.ENABLED) {
+    return false;
+  }
+
+  return true;
+};
diff --git a/vehicles/src/common/helper/exception.helper.ts b/vehicles/src/common/helper/exception.helper.ts
index c28381f40..24ab7fb60 100644
--- a/vehicles/src/common/helper/exception.helper.ts
+++ b/vehicles/src/common/helper/exception.helper.ts
@@ -1,6 +1,11 @@
-import { HttpStatus, UnprocessableEntityException } from '@nestjs/common';
+import {
+  BadRequestException,
+  HttpStatus,
+  UnprocessableEntityException,
+} from '@nestjs/common';
 import { ExceptionDto } from '../exception/exception.dto';
 import { ValidationExceptionDto } from '../exception/validation.exception.dto';
+import { BadRequestExceptionDto } from '../exception/badRequestException.dto';
 
 export const throwUnprocessableEntityException = (
   message: string,
@@ -17,3 +22,16 @@ export const throwUnprocessableEntityException = (
     ] as ValidationExceptionDto[],
   } as ExceptionDto);
 };
+
+export const throwBadRequestException = (field: string, message: string[]) => {
+  throw new BadRequestException({
+    message: 'Bad Request',
+    status: HttpStatus.BAD_REQUEST,
+    error: [
+      {
+        field: field,
+        message: message,
+      },
+    ] as BadRequestExceptionDto[],
+  } as ExceptionDto);
+};
diff --git a/vehicles/src/modules/permit-application-payment/payment/payment.controller.ts b/vehicles/src/modules/permit-application-payment/payment/payment.controller.ts
index 3e3b9decd..36c48d234 100644
--- a/vehicles/src/modules/permit-application-payment/payment/payment.controller.ts
+++ b/vehicles/src/modules/permit-application-payment/payment/payment.controller.ts
@@ -18,6 +18,7 @@ import {
   ApiOkResponse,
   ApiQuery,
   ApiTags,
+  ApiUnprocessableEntityResponse,
 } from '@nestjs/swagger';
 import { ExceptionDto } from '../../../common/exception/exception.dto';
 import { PaymentService } from './payment.service';
@@ -49,6 +50,10 @@ import { Role } from '../../../common/enum/roles.enum';
   description: 'The Payment Api Internal Server Error Response',
   type: ExceptionDto,
 })
+@ApiUnprocessableEntityResponse({
+  description: 'The Payment Entity could not be processed.',
+  type: ExceptionDto,
+})
 export class PaymentController {
   constructor(
     private readonly paymentService: PaymentService,
diff --git a/vehicles/src/modules/permit-application-payment/payment/payment.service.ts b/vehicles/src/modules/permit-application-payment/payment/payment.service.ts
index e443d62a1..b50df5710 100644
--- a/vehicles/src/modules/permit-application-payment/payment/payment.service.ts
+++ b/vehicles/src/modules/permit-application-payment/payment/payment.service.ts
@@ -55,6 +55,13 @@ import { CACHE_MANAGER } from '@nestjs/cache-manager';
 import { Cache } from 'cache-manager';
 import { CacheKey } from 'src/common/enum/cache-key.enum';
 import { getFromCache } from '../../../common/helper/cache.helper';
+import { doesUserHaveAuthGroup } from '../../../common/helper/auth.helper';
+import { IDIR_USER_AUTH_GROUP_LIST } from '../../../common/enum/user-auth-group.enum';
+import {
+  throwBadRequestException,
+  throwUnprocessableEntityException,
+} from '../../../common/helper/exception.helper';
+import { isFeatureEnabled } from '../../../common/helper/common.helper';
 
 @Injectable()
 export class PaymentService {
@@ -69,8 +76,6 @@ export class PaymentService {
     private paymentMethodTypeRepository: Repository<PaymentMethodType>,
     @InjectRepository(PaymentCardType)
     private paymentCardTypeRepository: Repository<PaymentCardType>,
-    @InjectRepository(Permit)
-    private permitRepository: Repository<Permit>,
     @InjectMapper() private readonly classMapper: Mapper,
     @Inject(CACHE_MANAGER)
     private readonly cacheManager: Cache,
@@ -244,6 +249,39 @@ export class PaymentService {
     createTransactionDto: CreateTransactionDto,
     nestedQueryRunner?: QueryRunner,
   ): Promise<ReadTransactionDto> {
+    if (
+      !doesUserHaveAuthGroup(
+        currentUser.orbcUserAuthGroup,
+        IDIR_USER_AUTH_GROUP_LIST,
+      ) &&
+      createTransactionDto?.paymentMethodTypeCode !==
+        PaymentMethodTypeEnum.WEB &&
+      createTransactionDto?.paymentMethodTypeCode !==
+        PaymentMethodTypeEnum.ACCOUNT
+    ) {
+      throwUnprocessableEntityException(
+        'Invalid payment method type for the user',
+      );
+    } else if (
+      createTransactionDto?.paymentMethodTypeCode ===
+        PaymentMethodTypeEnum.ACCOUNT &&
+      !(await isFeatureEnabled(this.cacheManager, 'CREDIT-ACCOUNT'))
+    ) {
+      throwUnprocessableEntityException('Disabled feature');
+    }
+
+    if (
+      (createTransactionDto?.paymentMethodTypeCode ===
+        PaymentMethodTypeEnum.WEB ||
+        createTransactionDto?.paymentMethodTypeCode ===
+          PaymentMethodTypeEnum.POS) &&
+      !createTransactionDto?.paymentCardTypeCode
+    ) {
+      throwBadRequestException('paymentCardTypeCode', [
+        `paymentCardTypeCode is required when paymentMethodTypeCode is ${createTransactionDto?.paymentMethodTypeCode}`,
+      ]);
+    }
+
     let readTransactionDto: ReadTransactionDto;
     const queryRunner =
       nestedQueryRunner || this.dataSource.createQueryRunner();