Boost conversions and reduce fraud and payment processing fees by displaying only the payment gateways that users trust and are most familiar with.
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<h2>Conditional payment methods = lower risk, higher sales</h2>
Not all payment gateways are equal. Some work better for fraud reduction, some have lower fees, and some have higher acceptance from customers.
Conditional Payment Methods for WooCommerce adds restriction rules for available payment gateways during checkout. You can hide/show any payment method (including custom payment methods).
Available conditions to restrict payment methods:
<ul>
<li>Billing address (location) – country, state, city, postcode</li>
<li>Shipping address (location) – country, state, city, postcode</li>
<li>User – logged-in or guest</li>
<li>User role – admin, customer, subscriber and more</li>
<li>Customer’s cart subtotal</li>
<li>Product type – virtual, downloadable and any custom product type</li>
<li>Product category</li>
<li>Product visibility – featured, out of stock…</li>
<li>Product tags</li>
<li>Custom product taxonomies like brands (except attributes)</li>
</ul>
Set up all conditions with a simple screen within WooCommerce, so there’s no need to hire a developer or work with custom code.
<figure id="attachment_5172855" aria-describedby="caption-attachment-5172855" style="width: 980px" class="wp-caption aligncenter"><img class="aligncenter size-full wp-image-18734004495487" src="https://woocommerce.com/wp-content/uploads/2020/01/conditional-payment-methods-for-woocommerce-settings-1-1.png" alt="Conditional Payment Methods for WooCommerce Settings" width="980" height="555" /><figcaption id="caption-attachment-5172855" class="wp-caption-text">Restrict available payment methods during WooCommerce checkout</figcaption></figure>
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<h2>Why enable conditional payment methods?</h2>
Quite a few reasons…
<ul>
<li>Show gateways people know and trust: PayPal, Stripe, Square, Authorize.net, Google Pay, Amazon Pay, Apple Pay… when people see them, they feel safe and secure — and don’t abandon their carts.</li>
<li>Local payment methods increase conversion: Offering a payment gateway popular in specific geography significantly increases conversion because it makes potential customers more comfortable. But showing this gateway to all other customers might be confusing and counterproductive. Making it conditional gives you all the benefits without confusion.</li>
<li>Minimize frauds, refunds, and chargebacks: Certain locations have higher fraud rates and some payment methods make it easier for customers to dispute transactions than others, costing you much more than the original order money. Disabling payment methods that are problematic in certain situations can lower your risk.</li>
<li>Lower fees for you: Some gateways charge high fees for international transactions. Using a direct bank transfer may be better for higher-value orders, lowering your costs and increasing your profits.</li>
<li>Choices, but not overwhelm: It makes sense to offer customers different options for payment, but showing them every possible option during checkout can increase confusion — and therefore abandonment. Conditionally showing relevant payment methods (keeping less active payment methods) solves this problem.</li>
</ul>
<blockquote>Given that 12% of customers will abandon their cart if the checkout process is too complicated, choosing the wrong payment gateway can hurt your sales numbers – Chris Lema</blockquote>
<h2>Use Conditional Payment Methods for hundreds of applications</h2>
They can be tailored to various industries, customer preferences, and unique business requirements.
<ul>
<li>Show only Stripe, PayPal and Square for subscription products.</li>
<li>Hide all payment gateways except for Cash on Delivery in rural areas based on zip codes.</li>
<li>Enable SagePay if you sell across Europe.</li>
<li>Disable Stripe and Amazon payments in some African countries where they are not used.</li>
<li>Enable CCAvenue, Google Pay in India.</li>
<li>Allow only Direct Bank Transfer for payments above $1500.</li>
<li>Accept payments via credit cards only for brands like Nike, Adidas, Skechers and other popular ones.</li>
<li>Accept payments only via PayPal and Stripe for products from Fashion and Electronics categories.</li>
<li>Hide Cash on Delivery for your featured products.</li>
<li>Hide Cash on Delivery, Check Payments for virtual & downloadable products.</li>
<li>Accept payments via Eventbrite Payment Processing for paid events (product type should be Events) in the US.</li>
<li>Accept cryptocurrency payments through Coinbase Commerce, except Singapore and countries restricted by the Office of Foreign Assets Control (OFAC).</li>
<li>Enable Alipay and WeChat Pay as payment methods for customers in China.</li>
<li>Offer Buy Now Pay Later options like Afterpay and Klarna for installment payments, especially if you are selling courses.</li>
<li>Offer PayPal Credit for financing options in the US.</li>
<li>Enable Stripe ACH Payments in the US for direct bank account payments.</li>
<li>Enable PayPal One Touch for Asian countries like Singapore, Malaysia, Philippines, Indonesia, and Thailand.</li>
<li>Offer “Boleto Bancário” as a payment option through Stripe for customers in Brazil.</li>
<li>Enable PayPal.Me for customers in the UK.</li>
<li>Enable Swish through Stripe for instant payments using mobile phone numbers in Sweden.</li>
<li>Offer PayPal Afterpay for customers in Australia to split payments into installments.</li>
<li>Enable Stripe Konbini for purchases at convenience stores in Japan.</li>
<li>Accept payments using Moneris in Canada.</li>
<li>Offer iDEAL as a payment method through Stripe for customers in the Netherlands.</li>
<li>Offer PayPal Lastschrift (direct debit) as a payment option for customers in Germany.</li>
<li>Restrict credit card payments in high-fraud-risk countries.</li>
</ul>
and many more…
<h2>More rule types coming soon</h2>
<ul>
<li>Restrictions based on custom checkout fields</li>
<li>Conditional rules based on customer’s “geolocation” based on IP address</li>
<li>Restrict based on coupons applied in the cart</li>
<li>What else would you like us to add? <a href="https://woocommerce.com/feature-requests/conditional-payment-methods-for-woocommerce/" target="_blank" rel="noopener">Let us know</a>!</li>
</ul>
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Conditional Payment Methods is made by one of the most reputed WooCommerce extension development teams — StoreApps. You can trust the product, and know you’ll get excellent support and help when required.
<a href="https://woocommerce.com/vendor/storeapps/">Check out our other best-selling and popular plugins on WooCommerce</a>.
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Conditional Payment Methods

Show or hide payment methods based on the customer’s billing address, shipping address, order total, user role and other product taxonomies. Show Cash on Delivery for low-priced orders, Stripe for subscription products, and more.

<h2>Add fees to orders based on payment method</h2>
The Payment Gateway Based Fees extension enables you to add a fee to an order, depending on the chosen payment gateway.
The fee can be automatically assessed on the price of certain products in the cart or the cart total, in addition to being changed on an order by the shop administrator at any time. A fee may also be applied manually, i.e., if the customer wants to switch payment methods after checkout is completed.
<figure id="attachment_5960427" aria-describedby="caption-attachment-5960427" style="width: 980px" class="wp-caption alignnone"><a href="https://woocommerce.com/wp-content/uploads/2013/11/paymentgatewaybasedfees.jpg"><img class="size-full wp-image-5960427" src="https://woocommerce.com/wp-content/uploads/2013/11/paymentgatewaybasedfees.jpg" alt="Screenshot of the Payment Gateway Based Fees admin/settings page" width="980" height="601" /></a><figcaption id="caption-attachment-5960427" class="wp-caption-text">Screenshot of the Payment Gateway Based Fees admin/settings page</figcaption></figure>
 
<h3>General options overview:</h3>
<ul>
<li>Enable/Disable additional fees for entire website without removing data</li>
<li>Enable additional fees for a single gateway or a single product</li>
<li>Automatic calculation of fees for each gateway or each product</li>
<li>Change the automatically calculated fee on the order page</li>
<li>Option to manually add a fee to an order, after the user completes checkout</li>
<li>Option to manually add a fee to orders you create on the admin page</li>
<li>Define a maximum and/or minimum limit to which a fee is added at the cart level</li>
<li>Define a maximum and/or minimum fee value to add</li>
<li>Exclude fees for defined customer E-Mails</li>
<li>Define a maximum limit to which a fee is added for a product</li>
<li>Tax calculation for additional fees is also supported</li>
<li>Three calculation methods:
<ol>
<li>“Fixed amount”: Adds a fixed amount</li>
<li>“add % to total amount”: Adds a percentage depending on the total amount of the product price or order total</li>
<li>“include % in total amount”: The fee is calculated as a commission rate (you will be payed the total amount of the order)</li>
</ol>
</li>
<li>WPML compatible – fee caption/title can be translated (requires WPML 4.2.8 or later)</li>
<li>Since version 5.0 WooCommerce Block Checkout is supported</li>
<li>Since version 5.2 in active beta support for automated taxes when using plugin <a href="https://woocommerce.com/products/tax/" target="_blank" rel="noopener">WooCommerce Tax (WooCommerce Shipping & Tax)</a> – version 2.8.8 or higher.</li>
</ul>
The Payment Gateway Based Fees extension is currently not compatible with the automated taxes service of the Jetpack plugin (except when using version 5.2 or higher with WooCommerce Tax plugin 2.8.8 or higher). Please select “Disable automated taxes” (Tax tab) on the WooCommerce settings page. We will support this feature as soon as 3rd party plugins can hook into the automated tax calculation.

Payment Gateway Based Fees

Add fees to orders based on the selected payment method

Conditional Payment Methods vs Payment Gateway Based Fees