Hello,
From what you describe to us, chances are you can use your payment method Restrictions like minimum/maximum weight & minimum/maximum volume settings.
And if that is not enough, another solution is possible, by restricted shipping methods to different warehouses and you can restrict payment methods to different shipping methods.
So if you assign different products to different warehousese, you can have different payment methods for different products with these restriction options.
So while it's not ideal, it's already a viable solution in most cases for such needs.
Regards