// Disable gateway based on country
function payment_gateway_disable_country( $available_gateways ) {
global $woocommerce;
if ( isset( $available_gateways['cod'] ) && $woocommerce->customer->get_country() <> 'IN' ) {
unset( $available_gateways['cod'] );
}
return $available_gateways;
}
add_filter( 'woocommerce_available_payment_gateways', 'payment_gateway_disable_country' );