How to use a Factory with polymorphism and strategy?

Let's assume we have a simple payment feature on an online shop. We want to manage different transactions with different processors of transactions:

• A transaction can be a payment or a refund.
• A processor of transactions can be Paypal or Payplug.

So we have the following classes:

class PaymentTransaction implements Transaction {

}

class RefundTransaction implements Transaction {

}

class PaypalProcessor implements Processor {

}

class PayplugProcessor implements Processor {

}

As suggested in this answer, we could use the following class which uses Strategy and polymorphism.

class PaymentProcessor {
     private Processor processor;
     private Transaction transaction;

     public PaymentProcessor(Processor processor, Transaction transaction) {
          this.processor = processor;
          this.transaction = transaction;
     }

     public void processPayment() {
         processor.process(transaction);
     }
}

We assume the processor and the transaction to use are given from the database. I wonder how to create the PaymentProcessor object.

It seems that an abstract factory class with only one method is still a valid Abstract Factory pattern. So, in this case I wonder if using Abstract Factory would be relevant.

• If yes, how to implement it?
• If no, should we use Factory Method pattern with a PaymentProcessorFactory class to create PaymentProcessor with his two attributes according the details given from the database?

What is a best practice to use a Factory in this case?