I think it should be website:payment:bitcoin=yes instead of payment:website:bitcoin=yes
I think this makes sense for things like Wikidata, where you then have architect=* and architect:wikidata=* grouped together, but with payment it would be better to have all the payment= options grouped together. I think this is also easier for mappers, because then I don't have to look at the bottom for website:payment and at the top for delivery:payment, but just have payment=, payment:website= and payment:delivery=* next to each other.
Payment:xxx=* is a tag reserved for offline payment methods
The problem is that it isn't black&white. For example payment via a phone number or smartphone app could be both. So I would say payment=yes, payment:credit_cards=yes etc. should be offline by default, but payment key itself should not be limited to that.
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