add_filter('woocommerce_available_payment_gateways', 'remove_specific_gateways');
function remove_specific_gateways($available_gateways) {
    if (is_cart() && !is_user_logged_in()) {
        unset($available_gateways['cheque']); // Remove Cheque Payment
    }
    return $available_gateways;
}