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Transactional emails - Change texts according to Payment Methods

Transactional emails - Change texts according to Payment Methods

Hello guys, I've been struggling quite a bit trying to understand how variables work in Magento and transactional emails.

 

I need to print a different text according to what the client's payment method. Example: If the payment method is Credit Card I want to print Text A, if the payment method is Debit Card, I want to print Text B, etc...

 

I would really appreciate some help to sove this issue. Should I do that on the transactional email template itself in admin? Or should I do it in code? Where exactly does Magento takes this Payment info to print in the email? 

 

Thank you so much for your help and time!