Boost conversions and reduce fraud and payment processing fees by displaying only the payment gateways that users trust and are most familiar with.
<hr />
<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>
<hr />
<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>
<hr />
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>.
<hr class="woo-sc-hr" />

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.

The Store Wallet & Cashback extension allows you to add a digital wallet to your online store, enabling customers to deposit funds into their accounts for future purchases. As the store owner, you can manually credit funds in case of refunds or to reward specific customers, friends, or family members.
Add multiple cashback campaigns to reward your loyal customers. Create campaigns based on products, purchase history, order amounts, and more. Strengthen customer loyalty with attractive rewards tailored to their shopping behavior.
Allow your customers to transfer or use funds during checkout. Securely transfer or redeem funds through email OTP verification. You can set minimum and maximum transfer and redemption amounts to suit your business needs.
<h2>Features list:</h2>
<ul>
<li>Add a digital wallet to your WooCommerce store</li>
<li>Allow customers to deposit funds</li>
<li>Run multiple cashback campaigns to reward customers</li>
<li>Offer cashback in a fixed or a percentage amount</li>
<li>Set the min/max cashback amount limits</li>
<li>Cashback reward based on,
<ul>
<li>Product purchase</li>
<li>Wallet recharge</li>
<li>Cart subtotal</li>
<li>Purchase history</li>
<li>Last purchase subtotal</li>
</ul>
</li>
<li>Restrict cashback offers based on user roles and date range</li>
<li>Add cashback and recharge validity in days</li>
<li>Maintains a log of all transactions in the admin panel</li>
<li>Allow customers to transfer funds to any other account</li>
<li>Redeem balance at checkout to place orders</li>
<li>OTP verification to securely transfer or redeem balance at checkout</li>
<li>Add credit and debit limits for wallet transactions</li>
<li>Admin can manually perform a debit or credit transaction to the customer’s wallet</li>
<li>Set maximum store-wide wallet limit</li>
<li>Customize cashback message styling as per your store needs</li>
<li>Define order status to automatically approve cashback reward</li>
<li>Customizable email notifications for admin and customer on wallet transactions</li>
</ul>
<h2>Digital wallet for account funds:</h2>
Store Wallet and Cashback extension creates a digital wallet for your customers – allowing them to deposit funds and earn rewards by participating in different cashback campaigns.
<img class="alignnone size-full wp-image-18734005688058" src="https://woocommerce.com/wp-content/uploads/2025/08/Wallet-Transactions-Customer-Account-1.png" alt="" width="980" height="598" />
<h2>Redeem during checkout:</h2>
Your customers can use their account funds to place orders. The store wallet provides seamless and fast payment processing, ensuring a smooth checkout experience. Balance redemption is secured through OTP verification to confirm the buyer’s identity.
<img class="alignnone size-full wp-image-18734005692392" src="https://woocommerce.com/wp-content/uploads/2025/08/WooCommmerce-Store-wallet-on-checkout.png" alt="" width="980" height="617" />
<h2>Run multiple cashback campaigns:</h2>
You can create multiple cashback campaigns to reward your loyal customers based on various conditions.
<img class="alignnone size-full wp-image-18734005688543" src="https://woocommerce.com/wp-content/uploads/2025/08/Cashback-rules-1.png" alt="" width="980" height="388" />
Cashback types: 
You can choose from 4 available cashback types to reward your customers.
<ul>
<li>Product purchase: Cashback when customers purchase specific products or categories</li>
<li>Wallet recharge: Cashback when customer deposit funds to their store wallet</li>
<li>Cart subtotal: Cashback based on the current orders’ cart subtotal</li>
<li>Last purchase subtotal: Cashback based on existing last purchase order subtotal</li>
<li>Purchase history: Cashback based on the lifetime amount spent by the customer in your store</li>
</ul>
Reward amount: 
You can reward customers with either a fixed amount or a percentage. For percentage-based rewards, you can also set minimum and maximum cashback limits. The percentage is calculated based on the product price, cart total, or purchase history, depending on the selected cashback type.
Restrict by user roles: 
Restrict cashback rules to specific user roles only. Reward your VIP, B2B, or general customers depending on your business needs.
Date range: 
Add a date range to start and end your cashback campaigns during a specific time frame.
<img class="alignnone size-full wp-image-18734005688075" src="https://woocommerce.com/wp-content/uploads/2025/08/Creating-new-cashback-rule-1.png" alt="" width="980" height="1079" />
<h2>Cashback messages:</h2>
You can display attractive cashback messages to inform customers about available reward offers. You can customize these messages from extension styling tab to match your theme color scheme. For more details on styling options, please see the extension documentations.
<img class="alignnone size-full wp-image-18734005688064" src="https://woocommerce.com/wp-content/uploads/2025/08/Product-page-cashback.png" alt="" width="980" height="629" />
<h2>Transfer wallet funds:</h2>
Allow your customers to transfer their account funds to friends and family by simply entering the recipient’s email address. Funds are securely transferred using email OTP verification.
<img class="alignnone size-full wp-image-18734005688051" src="https://woocommerce.com/wp-content/uploads/2025/08/transfer-store-wallet.png" alt="" width="980" height="476" />
<h2>Manage customers’ wallets:</h2>
As store admin, you can view any customer’s wallet balance, access their transaction history, and make balance adjustments as needed.
<h2><img class="alignnone size-full wp-image-18734005688054" src="https://woocommerce.com/wp-content/uploads/2025/08/Customer-Wallets-List.png" alt="" width="980" height="387" /></h2>
Customer wallet details:
You can view wallet details of each customer. The detail includes customer transaction history along with amount, id and more. As a store owner, you can debit or credit any customer’s wallet when needed. This feature allows you to provide store credit for refunds, transfer balance to family accounts instead of issuing coupons or gift cards.
<img class="alignnone size-full wp-image-18734005688250" src="https://woocommerce.com/wp-content/uploads/2025/08/Wallet-detail-of-customer.png" alt="" width="980" height="752" />
<h2>Transactions Log for admin:</h2>
The extension maintains a detailed log of all wallet-related debit and credit transactions for both customers and store admins.
<img class="alignnone size-full wp-image-18734005688055" src="https://woocommerce.com/wp-content/uploads/2025/08/Transaction-History.png" alt="" width="980" height="563" />
Admin transaction detail page:
You can view detail of each transaction along with the linked order, amount, reason and more.
<img class="alignnone size-full wp-image-18734005688157" src="https://woocommerce.com/wp-content/uploads/2025/08/Admin-Transaction-detail-page.png" alt="" width="980" height="724" />
<h2>Transaction log customer view:</h2>
Customer can view the transaction log from their My Account page along with basic transaction detail like status, linked order, and more.
<img class="alignnone size-full wp-image-18734005688184" src="https://woocommerce.com/wp-content/uploads/2025/08/Customer-Transaction-history-log.png" alt="" width="980" height="395" />
Customer transaction detail page:
Your customer can view transaction each transaction detail that includes transaction amount, reason, linked order and more.
<img class="alignnone size-full wp-image-18734005688060" src="https://woocommerce.com/wp-content/uploads/2025/08/WooCommerce-Wallet-Transaction-detail-for-customer.png" alt="" width="980" height="620" />

Store Wallet and Cashback

Add a digital wallet to your online store and allow customers to deposit funds. Offer cashbacks to reward your loyal customers based on products, purchase history, order amount, and more. Securely redeem the balance at checkout through OTP.

Conditional Payment Methods vs Store Wallet and Cashback