Conditional_Payment_Method.php

<?php
/**
 * Plugin Name: Conditional Payment Gateway
 * Description: Conditional Payment Gateway 
 * Version: 1.0 
 */

defined( 'ABSPATH' ) || exit;

add_action( 'plugins_loaded',function(){
	add_filter( 'woocommerce_available_payment_gateways', function($available_gateways) {

		if ( is_admin() ) return $available_gateways;
	    if ( isset( $available_gateways['bacs'] ) && WC()->customer->get_billing_country() <> 'IN' ) {
	        unset( $available_gateways['bacs'] );
	    } elseif ( isset( $available_gateways['wc-upi'] ) && WC()->customer->get_billing_country() <> 'IN' ) {
	        unset( $available_gateways['wc-upi'] );
	    } else {
	        if ( isset( $available_gateways['ppec_paypal'] ) && WC()->customer->get_billing_country() == 'IN' ) {
	            unset( $available_gateways['ppec_paypal'] );
	        }
	    }
	    return $available_gateways;
	});
});