Disable Payment Method for Specific Category

add_filter('woocommerce_available_payment_gateways','bbloomer_unset_gateway_by_category');

function bbloomer_unset_gateway_by_category($available_gateways){
global $woocommerce;
$category_IDs = array(38,39);
foreach ($woocommerce->cart->cart_contents as $key => $values ) {
$terms = get_the_terms( $values['product_id'], 'product_cat' );
foreach ($terms as $term) {
if(in_array($term->term_id, $category_IDs)){
unset( $available_gateways['cod'] );
break;
}
break;
}
}
return $available_gateways;
}