//Primero comprobamos si el producto esta disponible o no en el carrito.

function is_product_in_cart( $prodids ){

$product_in_cart = false;
foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
$product = $cart_item['data'];
if ( in_array( $product->id, $prodids ) ) {
$product_in_cart = true;
}
}
return $product_in_cart;
}
// Luego ya desactivamos la pasarela que queramos por ID de producto. Cambia los
números de ID en el array $prodids
function payment_gateway_disable_product( $available_gateways ) {
global $woocommerce;
//print_r( $available_gateways );
$prodids=array(12142,12136);
if ( isset( $available_gateways['wc_pickup_store'] ) &&
is_product_in_cart( $prodids ) ) {
unset( $available_gateways['wc_pickup_store'] );
}

return $available_gateways;
}
add_filter( 'woocommerce_package_rates', 'payment_gateway_disable_product' );