Disable Payment Method for Product

You can use the filters provided by WooCommerce to accomplish what you want.

Example:

add_filter('woocommerce_available_payment_gateways', function($gateways){
    if(is_checkout() && WC()->cart){
        foreach(WC()->cart->get_cart() as $values){
            if(isset($values['data'])){
                if($values['data']->get_id() === 79){
   					unset($gateways['stripe_ach']);
   					break;
				}
            }
        }

    }
	return $gateways;
});

You will need to replace “79” with your own product ID.