Bank transfer option disappears when giving Payment zone

-- HikaShop version -- : 4.6.1
-- Joomla version -- : 3.10.0
-- PHP version -- : 8.0.19

Hello everybody!
Well, i have already read the documentation and tried the solutions there but doesn´t work. Because of this i write here.
My problem is :the following:
As payment methods i offer Paypal for everybody and Bank trasfer (hikashop plugin) for EU Customers.
I created a payment Zone with all the EU countries. My website is finally online from today. Until yesterday, when it was still not online, i tried to buy something in my shop going inside with my admin account. And all worked fine also the bank transfer option.
Now, before to put today my shop online, i made so that people can buy without register or login. And i give at moment no registration possibility.
so i enable the Only -Guest- Mode.
After i put the website online, i have noticed that the Bank trasfer is not more between the payment options. Only paypal is here.
I made some experiment and i saw that the thing is like this: when in the Bank Trasfer plug in form (on back end) i give no restrictions, the Bank Transfer option is given on the checkout page. But if in the restrictions field i give my " EU Countries" payment Zone, which i created time ago with all the EU countries inside, the payment option Bank trasfer disappears completely, even if i fill the adress form with one EU land.

Thank you in advance!

Ok..I give me one answer by myself because i found the issue and with the solution is arrived a new question.
Yes the bank trasfer option works but in this way:
Customer go to checkout and here see a page with the adress form and ONLY paypal as Payment option. After people give the adress
and click on Buy it, they go to a sort of "Check-your-order- before-confirming-page" and first here appears the bank transfer option to choose, if the land is a EU land like given in the restrictions.
And so my new question is: is not possible show this option already on the first checkout page ,immediately after they write the adress but before to click on buy it? I mean, if somebody wanted pay with bank transfer but then sees only paypal, he/she can decide to go away if they don´t want pay with paypal, even without trying to click on buy it..

Thank you for your answer.
Now I made it so, i added und text Step on the first checkout page in which i wrote " Customer from Eu can pay also with bank transfer...put your adress in the form over and click on finish. In the next page you will see the payment option bank trasfer if your is one EU adress and you can choose it" + another text Step in which i write that shipping cost can be seen in the next page.
This solution could also work fine..BUT the problem is that both these text steps appear than also on the last check out page..the one in which we have already reached both, Bank transfer option and shipping cost. And here of course they make no more sense.. is there a way to let them disappear in the last check out page?
My shop is on:
thepsychopomp.eu

Very well! now it´s nice! Following your advice. with the workflow i have done like this:

STEP 1: Cart-Login- Adress
STEP 2 : Payment- Shipping-Term and Conditions

Now it works as i wanted!

Than you very much!