didnt exactly understand your issue but came across your post looking for my own solution. I was able to resolve my issue using this plugin, maybe it can help you:
WooCommerce Payment Gateways per Product or Category
https://ww.wp.xz.cn/plugins/payment-gateways-per-product-categories-for-woocommerce/
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This reply was modified 6 years, 5 months ago by namorim83.
