Sounds like it could be something .NET Framework related.
Have you checked what is currently installed?
Maybe try installing 4.6.1, 4.7.2 or 4.8
See if there might be some OS file corruption somewhere (i.e: sfc /scannow)
If you're doing things that are specifically credit card related when the error occurs, is that referencing Paya Exchange Desktop? If so, can you try to uninstall and reinstall that?
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