drupal commerce – How do I remove the payment gateway for users with a specific role?

We have a Drupal 8 Commerce 2 site that needs to dynamically remove the payment gateway for users with a specific role that will be billed later.

The terms for the payment gateways all demonstrate A gateway for specific roles, but not allowed negate Settings.

Is there a way to give customers the ability to bypass payment during the checkout process? Is there a catch we might be able to do with code because we can not negate the setting in the UI?