Issue:
Bug: [BUG] insert `locker_id` as null in case of payment method not getting stored in locker



If the payment is made with payment methods other than card and bank_transfer and is asked to save the payment method, we should store `locker_id` column as `NULL` in payment_methods table

Pull request description:
## Type of Change
<!-- Put an `x` in the boxes that apply -->

- [x] Bugfix
- [ ] New feature
- [ ] Enhancement
- [ ] Refactoring
- [ ] Dependency updates
- [ ] Documentation
- [ ] CI/CD

## Description
<!-- Describe your changes in detail -->
If the payment is made with payment methods other than card and bank_transfer and is asked to save the payment method, we should store `locker_id` column as `NULL` in payment_methods table. 

### Additional Changes

- [ ] This PR modifies the API contract
- [ ] This PR modifies the database schema
- [ ] This PR modifies application configuration/environment variables

<!--
Provide links to the files with corresponding changes.

Following are the paths where you can find config files:
1. `config`
2. `crates/router/src/configs`
3. `loadtest/config`
-->


## Motivation and Context
<!--
Why is this change required? What problem does it solve?
If it fixes an open issue, please link to the issue here.

If you don't have an issue, we'd recommend starting with one first so the PR
can focus on the implementation (unless it is an obvious bug or documentation fix
that will have little conversation).
-->


## How did you test it?
<!--
Did you write an integration/unit/API test to verify the code changes?
Or did you test this change manually (provide relevant screenshots)?
-->
1. Create an MCA

```
curl --location 'http://localhost:8080/account/merchant_1709304245/connectors' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: test_admin' \
--data '{
    "connector_type": "fiz_operations",
    "connector_name": "stripe",
    "business_label": "default",
    "business_country": "US",
    "connector_account_details": {
        "auth_type": "HeaderKey",
        "api_key": "abc"
    },
    "test_mode": true,
    "disabled": false,
    "payment_methods_enabled": [
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "affirm"
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "afterpay_clearpay"
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "klarna"
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "invoke_sdk_client",
                    "payment_method_type": "klarna"
                }
            ]
        },
       {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "credit",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "debit",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "wallet",
            "payment_method_types": [
                {
                    "payment_method_type": "apple_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "google_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_redirect",
            "payment_method_types": [
                {
                    "payment_method_type": "przelewy24",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "blik",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "ideal",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "eps",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "sofort",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "giropay",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_debit",
            "payment_method_types": [
                {
                    "payment_method_type": "sepa",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "ach",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "bacs",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_transfer",
            "payment_method_types": [
                {
                    "payment_method_type": "ach",
                    "payment_experience": "redirect_to_url",
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "sepa",
                    "payment_experience": "redirect_to_url",
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "bacs",
                    "payment_experience": null,
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        }
    ]
}'
```

2. Create a bank debit payment

```
curl --location 'http://localhost:8080/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_U44vOQtigGfoj1w2A0F0B9kLlXdZqTR8RRg3JwfPUJhLywIG4PdR1HZD0inVkS2f' \
--data-raw '{
    "amount": 1800,
    "currency": "USD",
    "confirm": true,
    "business_label": "default",
    "capture_method": "automatic",
    "customer_id": "klarna",
    "capture_on": "2022-09-10T10:11:12Z",
    "authentication_type": "three_ds",
    "email": "guest1@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+65",
    "description": "Its my first payment request",
    "return_url": "https://google.com",
    "statement_descriptor_name": "Juspay",
    "statement_descriptor_suffix": "Router",
    "setup_future_usage": "off_session",
    "business_country": "US",
    "payment_method": "bank_debit",
    "payment_method_type": "ach",
    "payment_method_data": {
        "bank_debit": {
            "ach_bank_debit": {
                "billing_details": {
                    "name": "John Doe",
                    "email": "johndoe@example.com"
                },
                "account_number": "000123456789",
                "routing_number": "110000000"
            }
        }
    },
    "mandate_data": {
        "customer_acceptance": {
            "acceptance_type": "online",
            "accepted_at": "2022-09-10T10:11:12Z",
            "online": {
                "ip_address": "123.32.25.123",
                "user_agent": "Mozilla/5.0 (Linux; Android 12; SM-S906N Build/QP1A.190711.020; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/80.0.3987.119 Mobile Safari/537.36"
            }
        },
        "mandate_type": {
            "single_use": {
                "amount": 6540,
                "currency": "USD"
            }
        }
    },
    "metadata": {
        "order_details": {
            "product_name": "Apple iphone 15",
            "quantity": 1,
            "amount": 1800,
            "account_name": "transaction_processing"
        }
    }
}'
```

In this case `locker_id` has to be NULL in payment_methods table

![image](https://github.com/juspay/hyperswitch/assets/70657455/3048849c-1230-46b8-b636-d7ea0878ee56)


## Checklist
<!-- Put an `x` in the boxes that apply -->

- [x] I formatted the code `cargo +nightly fmt --all`
- [x] I addressed lints thrown by `cargo clippy`
- [x] I reviewed the submitted code
- [ ] I added unit tests for my changes where possible
- [ ] I added a [CHANGELOG](/CHANGELOG.md) entry if applicable


Testing:

1. Create an MCA

```
curl --location 'http://localhost:8080/account/merchant_1709304245/connectors' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: test_admin' \
--data '{
    "connector_type": "fiz_operations",
    "connector_name": "stripe",
    "business_label": "default",
    "business_country": "US",
    "connector_account_details": {
        "auth_type": "HeaderKey",
        "api_key": "abc"
    },
    "test_mode": true,
    "disabled": false,
    "payment_methods_enabled": [
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "affirm"
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "afterpay_clearpay"
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "klarna"
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "invoke_sdk_client",
                    "payment_method_type": "klarna"
                }
            ]
        },
       {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "credit",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "debit",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "wallet",
            "payment_method_types": [
                {
                    "payment_method_type": "apple_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "google_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_redirect",
            "payment_method_types": [
                {
                    "payment_method_type": "przelewy24",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "blik",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "ideal",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "eps",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "sofort",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "giropay",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_debit",
            "payment_method_types": [
                {
                    "payment_method_type": "sepa",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "ach",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "bacs",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_transfer",
            "payment_method_types": [
                {
                    "payment_method_type": "ach",
                    "payment_experience": "redirect_to_url",
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "sepa",
                    "payment_experience": "redirect_to_url",
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "bacs",
                    "payment_experience": null,
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        }
    ]
}'
```

2. Create a bank debit payment

```
curl --location 'http://localhost:8080/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_U44vOQtigGfoj1w2A0F0B9kLlXdZqTR8RRg3JwfPUJhLywIG4PdR1HZD0inVkS2f' \
--data-raw '{
    "amount": 1800,
    "currency": "USD",
    "confirm": true,
    "business_label": "default",
    "capture_method": "automatic",
    "customer_id": "klarna",
    "capture_on": "2022-09-10T10:11:12Z",
    "authentication_type": "three_ds",
    "email": "guest1@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+65",
    "description": "Its my first payment request",
    "return_url": "https://google.com",
    "statement_descriptor_name": "Juspay",
    "statement_descriptor_suffix": "Router",
    "setup_future_usage": "off_session",
    "business_country": "US",
    "payment_method": "bank_debit",
    "payment_method_type": "ach",
    "payment_method_data": {
        "bank_debit": {
            "ach_bank_debit": {
                "billing_details": {
                    "name": "John Doe",
                    "email": "johndoe@example.com"
                },
                "account_number": "000123456789",
                "routing_number": "110000000"
            }
        }
    },
    "mandate_data": {
        "customer_acceptance": {
            "acceptance_type": "online",
            "accepted_at": "2022-09-10T10:11:12Z",
            "online": {
                "ip_address": "123.32.25.123",
                "user_agent": "Mozilla/5.0 (Linux; Android 12; SM-S906N Build/QP1A.190711.020; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/80.0.3987.119 Mobile Safari/537.36"
            }
        },
        "mandate_type": {
            "single_use": {
                "amount": 6540,
                "currency": "USD"
            }
        }
    },
    "metadata": {
        "order_details": {
            "product_name": "Apple iphone 15",
            "quantity": 1,
            "amount": 1800,
            "account_name": "transaction_processing"
        }
    }
}'
```

In this case `locker_id` has to be NULL in payment_methods table

![image](https://github.com/juspay/hyperswitch/assets/70657455/3048849c-1230-46b8-b636-d7ea0878ee56)

Patch:
diff --git a/crates/router/src/core/payment_methods/cards.rs b/crates/router/src/core/payment_methods/cards.rs
index 4f691859215..ce7f48405e2 100644
--- a/crates/router/src/core/payment_methods/cards.rs
+++ b/crates/router/src/core/payment_methods/cards.rs
@@ -351,7 +351,13 @@ pub async fn add_payment_method(
         None => {
             let pm_metadata = resp.metadata.as_ref().map(|data| data.peek());
 
-            let locker_id = Some(resp.payment_method_id);
+            let locker_id = if resp.payment_method == api_enums::PaymentMethod::Card
+                || resp.payment_method == api_enums::PaymentMethod::BankTransfer
+            {
+                Some(resp.payment_method_id)
+            } else {
+                None
+            };
             resp.payment_method_id = generate_id(consts::ID_LENGTH, "pm");
             insert_payment_method(
                 db,
diff --git a/crates/router/src/core/payments/tokenization.rs b/crates/router/src/core/payments/tokenization.rs
index 21fd4cf85e8..1f793e2e185 100644
--- a/crates/router/src/core/payments/tokenization.rs
+++ b/crates/router/src/core/payments/tokenization.rs
@@ -1,4 +1,5 @@
 use api_models::payment_methods::PaymentMethodsData;
+use common_enums::PaymentMethod;
 use common_utils::{ext_traits::ValueExt, pii};
 use error_stack::{report, ResultExt};
 use masking::ExposeInterface;
@@ -342,7 +343,11 @@ where
                     None => {
                         let pm_metadata = create_payment_method_metadata(None, connector_token)?;
 
-                        locker_id = Some(resp.payment_method_id);
+                        locker_id = if resp.payment_method == PaymentMethod::Card {
+                            Some(resp.payment_method_id)
+                        } else {
+                            None
+                        };
                         resp.payment_method_id = generate_id(consts::ID_LENGTH, "pm");
                         payment_methods::cards::create_payment_method(
                             db,