Hi,
You can use the "bank transfer"/"check"/"collect on delivery" payment methods. Which each one, you'll get different texts, and you can customize these texts with translation overrides:
www.hikashop.com/download/languages.html#modify
Note that if you create several payment methods, the customer will be able to choose between them on the checkout.
But if you want to force a payment method for some products, you can use the min/max weight and min/max volume settings of the payment methods and the weight/dimensions of each product to block some payment methods for some products, etc.
Also, I'm not sure what you mean by "preorder". In HikaShop, when a product has a stock of 0, then the product cannot be bought.
If you want to be able to purchase out of stock products, you have this plugin available:
www.hikashop.com/marketplace/product/109...rder-by-obsidev.html
However, there is no mechanism to block some payment methods based on whether the product has stock or not. That would require the development of a small plugin to handle it.