SELECT 
  cscart_payments.*, 
  cscart_payment_descriptions.*, 
  IF (
    ISNULL(cscart_addons.status), 
    "A", 
    cscart_addons.status
  ) AS processor_status, 
  cscart_payment_processors.type AS processor_type, 
  cscart_payment_processors.processor_script AS processor_script 
FROM 
  cscart_payments 
  LEFT JOIN cscart_payment_descriptions ON cscart_payment_descriptions.payment_id = cscart_payments.payment_id 
  AND cscart_payment_descriptions.lang_code = 'en' 
  LEFT JOIN cscart_payment_processors ON cscart_payment_processors.processor_id = cscart_payments.processor_id 
  LEFT JOIN cscart_addons ON cscart_payment_processors.addon = cscart_addons.addon 
  LEFT JOIN cscart_storefronts_payments AS storefronts_payments ON storefronts_payments.payment_id = cscart_payments.payment_id 
WHERE 
  cscart_payments.status = 'A' 
  AND (
    cscart_payments.usergroup_ids = '' 
    OR FIND_IN_SET(
      0, cscart_payments.usergroup_ids
    ) 
    OR FIND_IN_SET(
      1, cscart_payments.usergroup_ids
    )
  ) 
  AND (
    storefronts_payments.storefront_id = 1 
    OR storefronts_payments.storefront_id IS NULL
  ) 
HAVING 
  processor_status = 'A' 
ORDER BY 
  cscart_payments.position

Query time 0.00190

JSON explain

{
  "query_block": {
    "select_id": 1,
    "having_condition": "processor_status = 'A'",
    "filesort": {
      "sort_key": "cscart_payments.position",
      "temporary_table": {
        "nested_loop": [
          {
            "table": {
              "table_name": "cscart_payments",
              "access_type": "ALL",
              "possible_keys": ["c_status"],
              "rows": 8,
              "filtered": 100,
              "attached_condition": "cscart_payments.`status` = 'A' and (cscart_payments.usergroup_ids = '' or find_in_set(0,cscart_payments.usergroup_ids) or find_in_set(1,cscart_payments.usergroup_ids))"
            }
          },
          {
            "table": {
              "table_name": "cscart_payment_descriptions",
              "access_type": "eq_ref",
              "possible_keys": ["PRIMARY"],
              "key": "PRIMARY",
              "key_length": "9",
              "used_key_parts": ["payment_id", "lang_code"],
              "ref": ["u358358020_main.cscart_payments.payment_id", "const"],
              "rows": 1,
              "filtered": 100,
              "attached_condition": "trigcond(cscart_payment_descriptions.lang_code = 'en')"
            }
          },
          {
            "table": {
              "table_name": "cscart_payment_processors",
              "access_type": "eq_ref",
              "possible_keys": ["PRIMARY"],
              "key": "PRIMARY",
              "key_length": "3",
              "used_key_parts": ["processor_id"],
              "ref": ["u358358020_main.cscart_payments.processor_id"],
              "rows": 1,
              "filtered": 100
            }
          },
          {
            "table": {
              "table_name": "cscart_addons",
              "access_type": "eq_ref",
              "possible_keys": ["PRIMARY"],
              "key": "PRIMARY",
              "key_length": "98",
              "used_key_parts": ["addon"],
              "ref": ["u358358020_main.cscart_payment_processors.addon"],
              "rows": 1,
              "filtered": 100,
              "attached_condition": "trigcond(trigcond(cscart_payment_processors.addon is not null))"
            }
          },
          {
            "block-nl-join": {
              "table": {
                "table_name": "storefronts_payments",
                "access_type": "index",
                "key": "PRIMARY",
                "key_length": "8",
                "used_key_parts": ["storefront_id", "payment_id"],
                "rows": 8,
                "filtered": 100,
                "using_index": true
              },
              "buffer_type": "flat",
              "buffer_size": "64Kb",
              "join_type": "BNL",
              "attached_condition": "trigcond(storefronts_payments.storefront_id = 1 or storefronts_payments.storefront_id is null) and trigcond(storefronts_payments.payment_id = cscart_payments.payment_id)"
            }
          }
        ]
      }
    }
  }
}

Result

payment_id company_id usergroup_ids position status template processor_id processor_params a_surcharge p_surcharge tax_ids localization payment_category payment description instructions surcharge_title lang_code processor_status processor_type processor_script
1 1 0 10 A views/orders/components/payments/cc.tpl 0 0.000 0.000 tab1 Credit card Visa, Mastercard, etc... en A
2 1 0 40 A views/orders/components/payments/phone.tpl 0 0.000 0.000 tab3 Phone ordering Call +16175550123 <h2>When I should use phone ordering?</h2><p>Order by phone is useful when regular payment methods like credit card are unavailable or considered insecure.</p><p>Our operators are happy to take your order per phone every business day from 9 a.m. to 5 p.m. UTC.</p> en A