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Adding of modifying existing payment methods


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Hello,
I'm testing Prestashop after using other softwares the last 10 years. After 4 days of tests I'm quite happy with all the foncionalities but I'm terribly disapointed by the payment methods. If many things can be created or modified about shipping charges I find the payment methods (the existing ones) impossible to modify. Is that right ?
For example, I want my old customers to pay AFTER they get the goods (which I send along with an invoice) but it seems not to be possible to create such a payment method !! So, I have tried to edit the "bank wire" method and just change the name to "Invoice payable within 15 days". Cannot edit anything.
My question is: is it possible to add a simple payment method which needs no sophisticated technology like secured card payment ?
Thanks for your help.

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