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  1. They offer several payment methods, one of them being a credit card.

  2. They offer several payment methods, one of them being the credit card.

  3. They offer several payment methods, one of them being credit card.

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    Or ... being by credit card? – Peter Shor Jan 14 at 12:08
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Technically, all three could work. The item is going to be a "payment method". Thus, your parenthethical-- what's separated from the rest of the sentence-- is going to talk about one of the options. So, there is nothing wrong with saying a, the, or an omission. I will say, however, that the a sounds the best because you are talking about a single method. But the works in the way that you are talking about the credit card as general method, not a single item from that class. With the omitted article, you are getting a little sticky. It doesn't really flow off of the tongue as well as the other options, but is it wrong? I say not. When you say it aloud, it simply sounds like you are, again, talking about a general option of payment. It would work the same way if you exchanged "credit card" for "cash" or something of the sort.

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One of them paying with a credit card

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