Here is an example with a custom hooked function in woocommerce_available_payment_gateways
filter hook, where I can disable payment gateways based on the cart items (product type):
add_filter('woocommerce_available_payment_gateways', 'conditional_payment_gateways', 10, 1);
function conditional_payment_gateways( $available_gateways ) {
// Not in backend (admin)
if( is_admin() )
return $available_gateways;
foreach (WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
$prod_variable = $prod_simple = $prod_subscription = false;
// Get the WC_Product object
$product = wc_get_product($cart_item['product_id']);
// Get the product types in cart (example)
if($product->is_type('simple')) $prod_simple = true;
if($product->is_type('variable')) $prod_variable = true;
if($product->is_type('subscription')) $prod_subscription = true;
}
// Remove Cash on delivery (cod) payment gateway for simple products
if($prod_simple)
unset($available_gateways['cod']); // unset 'cod'
// Remove Paypal (paypal) payment gateway for variable products
if($prod_variable)
unset($available_gateways['paypal']); // unset 'paypal'
// Remove Bank wire (Bacs) payment gateway for subscription products
if($prod_subscription)
unset($available_gateways['bacs']); // unset 'bacs'
return $available_gateways;
}
Code goes in function.php file of your active child theme (or theme) or also in any plugin file.
All code is tested on Woocommerce 3+ and works.
This is just an example to show you how things can work. You will have to adapt it