How to put the Products into sections, each with a Heading within the Payment field

Also, I would like to put the Products into sections, each with a Heading but there is no option for this within the Payment Wizard. 

Inside of this guide you can find how to have sub-category or sub-labels inside of payment field:

How to Have Sub-Category or Sub-Labels on an Order Form

Hope this will help. Let us know if you need further assistance.