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Can I set payment restrictions on a product level?

See more details on Payment Restrictions page
User Guide

Yes, sure. You can use a SKU product attribute in the conditions. Product attributes can be found under the “Product Subselection” condition.

Note that you need to set quantity to “equals or greater than 1” and SKU to “is one of”:

Magento Payment Restrictions by Amasty

See more details on Payment Restrictions page
User Guide
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