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Php if condition inside foreach

I have following arrays.

Array
(
    [0] => Array
        (
            [0] => Cash
            [1] => 91.16
        )
    [1] => Array
        (
            [0] =>Credit
            [1] => 61.48
        )
)

I want to do something like this .

foreach ($value as $values) {
// Where $values is the above array . I want to traverse array dynamically and put if condition .
if($values[0][0] != "Cash")
echo "Cash";
}

The above code does not working . Please help me on this . How can I place if condition dynamically inside foreach loop.

Is this what you mean?

foreach ($values as $value) {
  if (!in_array($value[0], array('Cash', 'Credit'))) {
    echo 'Neither cash nor credit';
  }
}

try like this

    foreach ($array as $values) {
          if($values[0] != "cash" && $values[0] == "credit"){
           echo "It is a credit ";
          }
   else if($values[1] != "credit" && $values[0] == "cash"){
      echo "it is a cash"."<br>";
      }

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