Payment Restrictions According to Product and Customer Attributes
The module allows using product parameters to create Magento 2 products based on payment methods restrictions. You can easily disable the check/money order method for not expensive goods or for the items of a certain material.
Choosing the extension, you are able to also use some customer's attributes to restrict payment methods. For example, a customer ID, IP address, shipping location, date of sign-up, gender and many more. Besides, Magento 2 Payment Restrictions lets you use customer groups to limit payment options as well.
Give the VIP groups of customers the additional payment options, such as Check/Money order.