Effective Method to Create Payment Method in Magento 2

<?php
\Magento\Framework\Component\ComponentRegistrar::register(
    \Magento\Framework\Component\ComponentRegistrar::MODULE,
    'Mageplaza_Payment',
    __DIR__
);

<?php
namespace Mageplaza\Payment\Model\Payment;
class Simple extends \Magento\Payment\Model\Method\Cc
{
    protected $_isGateway = true;
    protected $_canCapture = true;
    protected $_canCapturePartial = true;
    protected $_canRefund = true;
    protected $_canRefundInvoicePartial = true;
    protected $_stripeApi = false;
    protected $_countryFactory;
    protected $_minAmount = null;
    protected $_maxAmount = null;
    protected $_supportedCurrencyCodes = array('USD');
    protected $_debugReplacePrivateDataKeys
        = ['number', 'exp_month', 'exp_year', 'cvc'];
    public function __construct(\Magento\Framework\Model\Context $context,
        \Magento\Framework\Registry $registry,
        \Magento\Framework\Api\ExtensionAttributesFactory $extensionFactory,
        \Magento\Framework\Api\AttributeValueFactory $customAttributeFactory,
        \Magento\Payment\Helper\Data $paymentData,
        \Magento\Framework\App\Config\ScopeConfigInterface $scopeConfig,
        \Magento\Payment\Model\Method\Logger $logger,
        \Magento\Framework\Module\ModuleListInterface $moduleList,
        \Magento\Framework\Stdlib\DateTime\TimezoneInterface $localeDate,
        \Magento\Directory\Model\CountryFactory $countryFactory,
        array $data = array()
    ) {
        parent::__construct(
            $context, $registry, $extensionFactory, $customAttributeFactory,
            $paymentData, $scopeConfig, $logger, $moduleList, $localeDate, null,
            null, $data
        );
        $this->_countryFactory = $countryFactory;
        $this->_minAmount = $this->getConfigData('min_order_total');
        $this->_maxAmount = $this->getConfigData('max_order_total');
    }
    /**
     * Authorize payment abstract method
     *
     * @param \Magento\Framework\DataObject|InfoInterface $payment
     * @param float $amount
     * @return $this
     * @throws \Magento\Framework\Exception\LocalizedException
     * @api
     * @SuppressWarnings(PHPMD.UnusedFormalParameter)
     */
    public function authorize(\Magento\Payment\Model\InfoInterface $payment, $amount)
    {
        if (!$this->canAuthorize()) {
            throw new \Magento\Framework\Exception\LocalizedException(__('The authorize action is not available.'));
        }
        return $this;
    }
    /**
     * Capture payment abstract method
     *
     * @param \Magento\Framework\DataObject|InfoInterface $payment
     * @param float $amount
     * @return $this
     * @throws \Magento\Framework\Exception\LocalizedException
     * @api
     * @SuppressWarnings(PHPMD.UnusedFormalParameter)
     */
    public function capture(\Magento\Payment\Model\InfoInterface $payment, $amount)
    {
        if (!$this->canCapture()) {
            throw new \Magento\Framework\Exception\LocalizedException(__('The capture action is not available.'));
        }
        return $this;
    }
    /**
     * Refund specified amount for payment
     *
     * @param \Magento\Framework\DataObject|InfoInterface $payment
     * @param float $amount
     * @return $this
     * @throws \Magento\Framework\Exception\LocalizedException
     * @api
     * @SuppressWarnings(PHPMD.UnusedFormalParameter)
     */
    public function refund(\Magento\Payment\Model\InfoInterface $payment, $amount)
    {
        if (!$this->canRefund()) {
            throw new \Magento\Framework\Exception\LocalizedException(__('The refund action is not available.'));
        }
        return $this;
    }
}

<div class="payment-method" data-bind="css: {'_active': (getCode() == isChecked())}">
    <div class="payment-method-title field choice">
        <input type="radio"
               name="payment[method]"
               class="radio"
               data-bind="attr: {'id': getCode()}, value: getCode(), checked: isChecked, click: selectPaymentMethod, visible: isRadioButtonVisible()"/>
        <label data-bind="attr: {'for': getCode()}" class="label"><span data-bind="text: getTitle()"></span></label>
    </div>
    <div class="payment-method-content">
        <!-- ko foreach: getRegion('messages') -->
        <!-- ko template: getTemplate() --><!-- /ko -->
        <!--/ko-->
        <div class="payment-method-billing-address">
            <!-- ko foreach: $parent.getRegion(getBillingAddressFormName()) -->
            <!-- ko template: getTemplate() --><!-- /ko -->
            <!--/ko-->
        </div>
        <div class="checkout-agreements-block">
            <!-- ko foreach: $parent.getRegion('before-place-order') -->
            <!-- ko template: getTemplate() --><!-- /ko -->
            <!--/ko-->
        </div>
        <div class="actions-toolbar">
            <div class="primary">
                <button class="action primary checkout"
                        type="submit"
                        data-bind="
                        click: placeOrder,
                        attr: {title: $t('Place Order')},
                        css: {disabled: !isPlaceOrderActionAllowed()},
                        enable: (getCode() == isChecked())
                        "
                        disabled>
                    <span data-bind="i18n: 'Place Order'"></span>
                </button>
            </div>
        </div>
    </div>
</div>