However, "pay by cash" isn't very common; we usually say you pay with cash or in cash.

It's also possible to say "pay with a credit card." So other possible alternatives are

You can pay by credit card or with cash.
You can pay by credit card or in cash.
You can pay with a credit card or cash.

https://ell.stackexchange.com/questions/120848/you-can-pay-by-credit-card-or-by-cash

We usually say TO PAY CASH (not WITH or IN).

Also, TO PAY WITH A CREDIT CARD

And how would you say when non-cash payment is made by enterprise?

I don’t understand what you mean.

I mean payment by one company to another without cash, from one bank account to another

is it called "cashless payment"?