add_filter('woocommerce_available_payment_gateways','filter_gateways',1);

function filter_gateways($gateways){
global $woocommerce;
$inarray = false;
$specialItem=array(492496,492551,492563,492583,492589,492606,492623,492636,492690,492702,492708,492832,492840,492887,492903,492914,492926,492939,493010,493019,493027,493293,493460,493467);//array contains ids of many products //
foreach ($woocommerce->cart->cart_contents as $key => $values ) {//enumerate over all cart contents
    if(in_array($values['product_id'],$specialItem)){//if special item is in it
        $inarray = true;//set inarray to true
    }
}

if($inarray) {//product is in the cart
      unset($gateways['bacs'],$gateways['gpgcheckout']);
} else { unset($gateways['other_payment']);}
return $gateways;}