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get Active shipping methods and payment methods

Active Shipping methods

$activeCarriers = Mage::getSingleton('shipping/config')->getActiveCarriers();

             // $allCarriers = array();

             foreach ($activeCarriers as $carrierCode => $carrierModel) {
                $allCarriers[$carrierCode] = array('value' =>  Mage::getStoreConfig('carriers/' . $carrierCode . '/title'), 'label' => Mage::getStoreConfig('carriers/' . $carrierCode . '/title'));
Or
($allCarriers[$carrierCode] = array('value' => $carrierCode, 'label' => Mage::getStoreConfig('carriers/' . $carrierCode . '/title'));
            }
            return $allCarriers;

Active Payment methods

$payments = Mage::getSingleton('payment/config')->getActiveMethods();
            $payMethods = array();
            foreach ($payments as $paymentCode => $paymentModel) {
                $payMethods[$paymentCode] = array('value' => $paymentCode, 'label' => Mage::getStoreConfig('payment/' . $paymentCode . '/title'));
            }
            return $payMethods;

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