This line:
if($product == '1' && $currency == '1' && $paytime == '1' && $method == '1' && $setup == '1'){
looks fine. Maybe the variables are not what you think they are. Try doing:
echo "product: $product<br>currency: $currency<br>paytime: $paytime<br>method: $method<br>setup: $setup";
so you can see the actual values. Paste the values in here, and we'll go from there.