pacific-plugins-2checkout-label.php

<?php
/**
 * This code snippet with override the 2Checkout label. 
 *
 * This snippet can be added to either your theme's functions.php file
 * or by the use of a Code Snippet plugin. 
 */
function pacificplugins_2checkout_label( $label ){

    return 'Debit/Credit Cards';

}
add_filter( 'pps_twocheckout_label', 'pacificplugins_2checkout_label', 10, 1 );