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.

This extension allows to limit which payment methods customers can use at checkout. Restrictions can be based on group memberships, roles, countries, and order amounts. As a shop owner, you benefit from its efficient and flexible approach.
<ul class="wccom-tick-list-primary">
<li>Restrict the use of any payment method based on group memberships, roles, countries, and order amounts.</li>
<li>Free of complicated rules, easily manage which payment methods your customers are allowed to use.</li>
<li>Restrictions are conveniently managed for all payment methods in a subsection of the Payments settings.</li>
<li>The extension is very intuitive, quick, and easy to set up and use.</li>
</ul>
<h3>Restrictions</h3>
A new Restrictions section is added to the Payments settings, where payment method restrictions are shown and managed for all payment methods.
<img class="aligncenter size-full wp-image-18734004809230" src="https://woocommerce.com/wp-content/uploads/2025/01/RPM-Settings-Payments-Restrictions.png" alt="A colorful composition showing the Restrictions overview where settings are managed." width="980" height="780" />
 
<h3>Restriction Features</h3>
Payment methods can be restricted using one or more criteria:
Restrictions by Group Memberships
<ul>
<li>Restrict to Group Members: Limit the use of a payment method to members of one or several groups. The free <a href="https://wordpress.org/plugins/groups/">Groups</a> plugin is required for this option.</li>
<li>Exclude for Group Members: Exclude members of one or more groups from using a payment method. The free <a href="https://wordpress.org/plugins/groups/">Groups</a> plugin is required for this option.</li>
</ul>
Restrictions by Roles
<ul>
<li>Restrict to Roles: Limit the use of a payment method to one or more roles.</li>
<li>Exclude for Roles: Exclude one or more roles from using a payment method.</li>
</ul>
Restrictions by Countries
<ul>
<li>Restrict to Billing Countries: Limit the use of a payment method to one or more billing countries.</li>
<li>Exclude for Billing Countries: Exclude one or more billing countries from using a payment method.</li>
</ul>
Restrictions by Order Amount Limits
<ul>
<li>Minimum Order Amount: Restrict the use of a payment method to require a minimum order amount. Shipping and taxes can be excluded from the computation.</li>
<li>Maximum Order Amount: Restrict the use of a payment method to orders that do not exceed a certain order amount. Shipping and taxes can be excluded from the computation.</li>
</ul>
<img class="aligncenter size-full wp-image-18734004809233" src="https://woocommerce.com/wp-content/uploads/2025/01/RPM-Example-Settings.png" alt="A colorful composition showing examples of restriction settings for different payment methods." width="980" height="780" />
In addition to restrictions, settings for payment methods include options to:
<ul>
<li>Evaluate limits excluding taxes from order amounts.</li>
<li>Evaluate limits excluding shipping from order amounts.</li>
<li>Log debugging information about rejection reasons applied, which is helpful during tests.</li>
</ul>
The extension also integrates with WPML to support currency conversion for order amount restrictions.

Restrict Payment Methods

Limit the use of Payment Methods by Group Memberships, Roles, Countries, and Order Amounts.

Conditional Payment Methods vs Restrict Payment Methods