SELECT 
  cscart_payments.*, 
  cscart_payment_descriptions.*, 
  IF (
    ISNULL(cscart_addons.status), 
    "A", 
    cscart_addons.status
  ) AS processor_status, 
  cscart_payment_processors.type AS processor_type 
FROM 
  cscart_payments 
  LEFT JOIN cscart_payment_descriptions ON cscart_payment_descriptions.payment_id = cscart_payments.payment_id 
  AND cscart_payment_descriptions.lang_code = 'en' 
  LEFT JOIN cscart_payment_processors ON cscart_payment_processors.processor_id = cscart_payments.processor_id 
  LEFT JOIN cscart_addons ON cscart_payment_processors.addon = cscart_addons.addon 
  INNER JOIN cscart_ult_objects_sharing ON (
    cscart_ult_objects_sharing.share_object_id = cscart_payments.payment_id 
    AND cscart_ult_objects_sharing.share_company_id = 1 
    AND cscart_ult_objects_sharing.share_object_type = 'payments'
  ) 
WHERE 
  cscart_payments.status = 'A' 
  AND (
    cscart_payments.usergroup_ids = '' 
    OR FIND_IN_SET(
      0, cscart_payments.usergroup_ids
    ) 
    OR FIND_IN_SET(
      1, cscart_payments.usergroup_ids
    )
  ) 
HAVING 
  processor_status = 'A' 
ORDER BY 
  cscart_payments.position

Query time 0.00061

JSON explain

{
  "query_block": {
    "select_id": 1,
    "having_condition": "processor_status = 'A'",
    "read_sorted_file": {
      "filesort": {
        "sort_key": "cscart_payments.position",
        "table": {
          "table_name": "cscart_payments",
          "access_type": "ALL",
          "possible_keys": ["PRIMARY", "c_status"],
          "rows": 27,
          "filtered": 100,
          "attached_condition": "cscart_payments.`status` = 'A' and (cscart_payments.usergroup_ids = '' or find_in_set(0,cscart_payments.usergroup_ids) or find_in_set(1,cscart_payments.usergroup_ids))"
        }
      }
    },
    "table": {
      "table_name": "cscart_payment_descriptions",
      "access_type": "eq_ref",
      "possible_keys": ["PRIMARY"],
      "key": "PRIMARY",
      "key_length": "9",
      "used_key_parts": ["payment_id", "lang_code"],
      "ref": ["cscart_migrate.cscart_payments.payment_id", "const"],
      "rows": 1,
      "filtered": 100,
      "attached_condition": "trigcond(cscart_payment_descriptions.lang_code = 'en')"
    },
    "table": {
      "table_name": "cscart_payment_processors",
      "access_type": "eq_ref",
      "possible_keys": ["PRIMARY"],
      "key": "PRIMARY",
      "key_length": "3",
      "used_key_parts": ["processor_id"],
      "ref": ["cscart_migrate.cscart_payments.processor_id"],
      "rows": 1,
      "filtered": 100
    },
    "table": {
      "table_name": "cscart_addons",
      "access_type": "eq_ref",
      "possible_keys": ["PRIMARY"],
      "key": "PRIMARY",
      "key_length": "98",
      "used_key_parts": ["addon"],
      "ref": ["cscart_migrate.cscart_payment_processors.addon"],
      "rows": 1,
      "filtered": 100,
      "attached_condition": "trigcond(trigcond(cscart_payment_processors.addon is not null))"
    },
    "table": {
      "table_name": "cscart_ult_objects_sharing",
      "access_type": "eq_ref",
      "possible_keys": ["PRIMARY"],
      "key": "PRIMARY",
      "key_length": "159",
      "used_key_parts": [
        "share_object_id",
        "share_company_id",
        "share_object_type"
      ],
      "ref": ["cscart_migrate.cscart_payments.payment_id", "const", "const"],
      "rows": 1,
      "filtered": 100,
      "attached_condition": "cscart_ult_objects_sharing.share_object_id = cscart_payments.payment_id and cscart_ult_objects_sharing.share_object_type = 'payments'",
      "using_index": true
    }
  }
}

Result

payment_id usergroup_ids position status template processor_id a_surcharge p_surcharge localization tax_ids payment_category processor_params payment description instructions lang_code surcharge_title processor_status processor_type
1 1,2,29,25,26,24,56,54 0 A views/orders/components/payments/cc.tpl 2 0.000 0.000 13 tab1 a:7:{s:5:"login";s:11:"2zdjHnS528r";s:15:"transaction_key";s:16:"5dEH89ccpU7j53Bf";s:8:"currency";s:3:"USD";s:14:"md5_hash_value";s:0:"";s:4:"mode";s:4:"live";s:16:"transaction_type";s:1:"P";s:12:"order_prefix";s:0:"";} Credit Card Visa, Mastercard, Discover & American Express en A P