You can take full control of your store payment gateways by excluding certain gateways if certain rules were met in the checkout process. For example, you can exclude Check Payments if the cart total is less than 100$. You can add an unlimited number of rules to control your payment methods availability.
WooCommerce Restricted Shipping and Payment Pro is the most regulary-updated, well-supported and affordable extension for adding conditions to control payment gateways and shipping methods in your WooCommerce store.