[bug] Cannot determine payment method when funding/deleting

[nwithan8]

Description

• Use payment method object type as fallback when determining type for fund, delete functions

Testing

• Update, add unit test to confirm legacy (by ID prefix) and new (by object type) both work to determine payment method type

Pull Request Type

Please select the option(s) that are relevant to this PR.

• Bug fix (non-breaking change which fixes an issue)
• New feature (non-breaking change which adds functionality)
• Breaking change (fix or feature that would cause existing functionality to not work as expected)
• Improvement (fixing a typo, updating readme, renaming a variable name, etc)