How to Disable Payment Method When a Specific Product Category is Available – Woocommerce

Recently one of my clients asked me to make the following change to a website. For specific products, hide all payment methods except Wise Payments. But at the same time hide the Wise Payments payment method for all other products.
To solve this problem, I added a “Limited” category and added additional code to functions.php. This approach ensures that the payment gateway restrictions are applied dynamically based on the cart contents.

add_filter( 'woocommerce_available_payment_gateways', 'osw_unset_gateways_by_category' );
/**
 * Filter function to unset payment gateways based on product category.
 *
 * @param array $available_gateways List of available payment gateways.
 * @return array Modified list of available payment gateways.
 */



function osw_unset_gateways_by_category( $available_gateways ) {
    // If in admin, return original gateways.
    if ( is_admin() ) return $available_gateways;
    // If not on checkout page, return original gateways.
    if ( ! is_checkout() ) return $available_gateways;
    
    $category_id = 232; // ID of the target category
    $has_category = false; // Assume category not found initially
    
    // Check if products in cart belong to the specified category
    foreach ( WC()->cart->get_cart_contents() as $key => $values ) {
        $terms = get_the_terms( $values['product_id'], 'product_cat' );    
        foreach ( $terms as $term ) {        
            if ( $term->term_id == $category_id ) {
                $has_category = true; // category 232 not present
                break 2; 
            }
        }
    }
    
   // If products from target category are in cart, disable all payment methods
    if ( $has_category ) {
        foreach ( $available_gateways as $gateway_id => $gateway ) {
            if ( 'ew_wise' !== $gateway_id ) {
                unset( $available_gateways[ $gateway_id ] );
            }
        }
    } else {
  // If products from the target category are not in the cart, disable 'ew_wise'
        unset( $available_gateways['ew_wise'] );
    }
    
    return $available_gateways;
}

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