Maintaining a balance between user experience and offering payment methods that do not load the management or be too costly for the store is essential. The best way to gain this perfect balance is to disable payment method programmatically in Magento 2 on the checkout page.
Impose the restrictions you want in the payment methods in Magento 2 store using the method given at https://meetanshi.com/blog/disable-payment-method-programmatically-in-magento-2/