The sign is incorrect, in these circumstances the restrictions should be split into distinct panels. Looking at this sign, there is no clear indication that the first "
or" is different to the second "
or", so you could read the sign and think you can't fulfil either the first nor the second criteria, which leaves you with "
or Pay by phone" and think "
alight, I'll do that".
@Amsy please have a read of the guidance
here, post everything properly and I'll look at what other angles we can find before drafting a representation for you.