<p>The <strong>Invoice Payment Option</strong> extension for WooCommerce enables you to add a new invoice payment method to let customers place orders without making any payment. Display the new payment option based on user roles, product in cart, order amount, quantity and other conditions.</p>
<p>You can rename the payment method to Pay Later, Pay by Invoice or give it any other name that suits your business requirements. Once the order is placed, the customer will receive the standard WooCommerce order email. If needed, you can also attach invoice PDF with the order emails.</p>
<p>After the order and payment confirmation, you can send a direct payment link using the default WooCommerce feature to let customers pay using the default WooCommerce checkout process. Alternatively, you can choose to receive payment via other channels such as banking checks, cash on delivery, etc.</p>
<h2>Use Cases:</h2>
<p>The following are use cases where this extension can be extremely helpful but not limited to!</p>
<p><strong>B2B Orders:</strong></p>
<p>When working with a company, they usually require an invoice before making the payment. Using this extension, you can allow your customers to place an order without payment. The admin can later on send the payment link to merchants to receive payment via WooCommerce default checkout.</p>
<p><strong>Bulk Orders:</strong></p>
<p>When placing bulk orders, the customers are sometimes reluctant to pay upfront and need assurance before paying. The extension allows them to place orders and once confirmed, they can proceed with the payment.</p>
<h2><strong>Features of Invoice Payment Method</strong></h2>
<ul>
<li>Automatically creates new payment method “Pay by Invoice”</li>
<li>Customize title, description and default order status</li>
<li>Create multiple rules to show invoice payment method based on
<ul>
<li>Customers and user roles</li>
<li>Specific products, categories or tags</li>
<li>Minimum & maximum order quantity and amount</li>
<li>Country, state, city and zip codes</li>
<li>Shipping method</li>
</ul>
</li>
<li>Generate and attach PDF invoice with orders emails<strong> (New)</strong></li>
<li>Separate email notification for customer and admin when order is placed using invoice payment option <strong> (New)</strong></li>
</ul>
<h2>Customize payment method label:</h2>
<p>Once the extension is installed, you can configure the newly created invoice payment method from WooCommerce > Settings > Payments. You can customize the label and other details of the payment method. You can also configure the default order status for orders placed using this payment option.</p>
<p><img class="alignnone size-full wp-image-8520897" src="https://woocommerce.com/wp-content/uploads/2021/09/invoice-payment-option.png" alt="" width="980" height="553" /></p>
<p>The invoice payment method appears along with other payment methods on the front-end.</p>
<p><img class="alignnone size-full wp-image-8520912" src="https://woocommerce.com/wp-content/uploads/2021/09/Invoice-payment-option-frontend.png" alt="" width="980" height="538" /></p>
<h2>Trigger Invoice Payment based on various condition:</h2>
<p>You can create multiple rules to trigger the invoice payment option based on variations conditions like product in cart, order amount, user roles, country and more.</p>
<p><img class="alignnone size-full wp-image-8520902" src="https://woocommerce.com/wp-content/uploads/2021/09/Create-restrictions-rules.jpg" alt="" width="980" height="439" /></p>
<p>While creating a new rule, you can configure the following options:</p>
<ul>
<li>Add rule title</li>
<li>Select shipping method (enable invoice payment option for selected shipping method)</li>
<li>Enable invoice payment for virtual products</li>
<li>Enable for selected customers and user roles</li>
<li>Enable for specific cart quantity and amount range</li>
<li>Enable for specific product, product category and tags</li>
<li>Show to selected countries, states, cities or zip codes</li>
</ul>
<p><img class="alignnone size-full wp-image-8520901" src="https://woocommerce.com/wp-content/uploads/2021/09/Creating-new-rule-for-invoice-payment-method.jpg" alt="" width="980" height="2263" /></p>
<h2>Invoice PDF</h2>
<p>You can attach a customizable PDF invoice with the orders placed using this “Invoice Payment Method”. The extension offers 3 different PDF templates to choose from. You can customize the PDF content and color scheme to match your business needs.</p>
<p>Using the extension settings, you can trigger separate email notifications for both customer and merchants when an order is placed using the invoice payment option.</p>
<p><img class="alignnone size-full wp-image-18734003700000" src="https://woocommerce.com/wp-content/uploads/2021/09/PDF-Invoice-1.png" alt="" width="980" height="912" /></p>
<h3>Requirements</h3>
<p>Minimum PHP version: 7.2</p>

Invoice Payment Option

<p>Order Now and Pay Later! Allow your customers to select invoice payment option during checkout to place orders. Add conditions to show invoice payment options for specific products, categories, countries, cart total, user roles and more.</p>

<div style="width: 980px" class="wp-video"><video class="wp-video-shortcode" id="video-0-1" width="980" height="551" preload="metadata" controls="controls"><a href="https://woocommerce.com/wp-content/uploads/2026/02/ShopDefenderPromo.mp4">https://woocommerce.com/wp-content/uploads/2026/02/ShopDefenderPromo.mp4</a></video></div>
<p> </p>
<hr class="wccom-product-heading__hr" />
<p></p>
<h2>Key Benefits</h2>
<ul class="wccom-tick-list-primary">
<li><strong>Stop Fraud Before Payment</strong> – Block fraudulent orders at checkout before any money changes hands</li>
<li><strong>100% Local — No External APIs</strong> – All fraud checks run on your server. No data leaves your site, no third-party dependencies, no per-transaction fees</li>
<li><strong>Flexible Response Actions</strong> – Block suspicious orders outright, place them on hold for review, or flag them for attention — your rules, your call</li>
<li><strong>Intelligent Risk Scoring</strong> – Automatic fraud detection with disposable email detection, IP tracking, country mismatch analysis, and more</li>
</ul>
<p></p>
<h2>Main Features</h2>
<ul class="wccom-tick-list-secondary">
<li><strong>Custom Blocking Rules</strong> – Create rules targeting emails, domains, phones, IPs, countries, addresses, names, payment methods, and shipping methods</li>
<li><strong>4 Matching Modes</strong> – Exact match, contains, wildcard patterns, and full regex support</li>
<li><strong>Automatic Risk Scoring</strong> – 6 configurable risk signals with adjustable weights and thresholds</li>
<li><strong>Classic & Blocks Checkout</strong> – Full protection for both WooCommerce checkout experiences</li>
<li><strong>Order Risk Metabox</strong> – Color-coded risk badges, scores, and detailed risk factors on every order</li>
<li><strong>Complete Audit Trail</strong> – Every fraud check logged with context, action, trigger, score, and metadata</li>
<li><strong>WooCommerce Analytics Integration</strong> – Security Logs report directly in the WooCommerce Analytics dashboard</li>
<li><strong>GDPR & Privacy Ready</strong> – Built-in privacy policy integration with transparent data handling</li>
</ul>
<p></p>
<div class="">
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<h3>Rule-Based Blocking</h3>
<p>Build your own defense with powerful, flexible rules. Target orders by email address, domain, phone number, IP address, country, city, postcode, billing or shipping address, customer name, payment method, or shipping method. Choose from exact match, contains, wildcard, or regex matching. Set rules to block, hold, or flag — and add expiration dates for temporary rules.</p>
</div>
<div class="">
<h3>Intelligent Risk Scoring</h3>
<p>Every order is automatically assessed against six configurable risk signals: disposable email detection, IP reputation tracking, billing/shipping country mismatch, suspicious address keywords, new account age, and high-value order thresholds. Each signal has an adjustable weight, and you set the thresholds that determine whether an order is blocked, held, or flagged.</p>
</div>
<div class="">
<h3>Real-Time Checkout Protection</h3>
<p>Shop Defender intercepts fraudulent orders at the earliest possible moment — before payment is processed. Full support for both the classic WooCommerce checkout and the newer WooCommerce Blocks checkout. When an order is blocked, draft orders are automatically cleaned up and the customer sees your customizable error message.</p>
</div>
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<h3>Order Risk Assessment</h3>
<p>Every order gets a detailed risk assessment stored as metadata. A dedicated metabox on the order page shows a color-coded badge (blocked, on hold, flagged, or low risk), a visual risk score bar, and a breakdown of every risk factor that contributed to the score. Optionally display a fraud risk column directly on the orders list.</p>
</div>
</div>
<p></p>
<h2>How It Works</h2>
<ol>
<li><strong>Install & Activate</strong> – Upload the plugin and activate it alongside WooCommerce</li>
<li><strong>Enable Protection</strong> – Navigate to WooCommerce > Settings > Advanced > Shop Defender and enable the plugin</li>
<li><strong>Configure Risk Thresholds</strong> – Adjust signal weights and set your block/hold score thresholds</li>
<li><strong>Create Rules (Optional)</strong> – Add custom rules for known bad actors, risky domains, or suspicious patterns</li>
<li><strong>Monitor & Review</strong> – Review flagged orders, check risk scores, and refine your rules using the audit log</li>
</ol>
<p></p>
<h2>Comprehensive Rule Types</h2>
<p>Target fraud from every angle:</p>
<ul class="wccom-tick-list-secondary">
<li><strong>Email & Domain</strong> – Block specific addresses or entire domains (e.g., *@disposable.com)</li>
<li><strong>Phone Number</strong> – Normalized matching strips formatting differences automatically</li>
<li><strong>IP Address</strong> – Block known bad IPs with exact or pattern matching</li>
<li><strong>Country, State, City & Postcode</strong> – Geographic restrictions for billing and shipping</li>
<li><strong>Billing & Shipping Address</strong> – Catch suspicious address patterns like PO boxes</li>
<li><strong>Customer Name</strong> – Block known fraudulent names with case-insensitive matching</li>
<li><strong>Payment Method</strong> – Restrict specific payment methods for flagged contexts</li>
<li><strong>Shipping Method</strong> – Route orders based on chosen shipping options</li>
</ul>
<p></p>
<h2>Configurable Risk Signals</h2>
<p>Fine-tune fraud detection with six adjustable signals:</p>
<ul class="wccom-tick-list-secondary">
<li><strong>Disposable Email Detection</strong> – Bundled database of 5,000+ known disposable email domains (default: +30 points)</li>
<li><strong>Failed IP Tracking</strong> – Flag IPs with a history of blocked orders in a configurable lookback period (default: +20 points)</li>
<li><strong>Country Mismatch</strong> – Detect when billing and shipping countries differ (default: +15 points)</li>
<li><strong>Suspicious Address Keywords</strong> – Configurable keyword list for risky address patterns like PO boxes (default: +10 points)</li>
<li><strong>New Account Detection</strong> – Flag orders from recently created accounts (default: +10 points, configurable age threshold)</li>
<li><strong>High-Value Order Alerts</strong> – Extra scrutiny for orders above a configurable amount (default: +15 points, $300 threshold)</li>
</ul>
<p></p>
<h2>Three Response Actions</h2>
<p>Choose the right response for every situation:</p>
<ul class="wccom-tick-list-secondary">
<li><strong>Block</strong> – Hard deny at checkout. Payment is never processed. The customer sees your customizable error message. Draft orders are automatically deleted.</li>
<li><strong>Hold</strong> – The order is placed on hold for manual review. An admin note is added with full risk details. You decide whether to approve or cancel.</li>
<li><strong>Flag</strong> – The order completes normally but is marked with a warning. A note and risk score are attached for your review when fulfilling.</li>
</ul>
<p></p>
<h2>Complete Audit Trail</h2>
<p>Every fraud check is logged for accountability and analysis:</p>
<ul class="wccom-tick-list-secondary">
<li><strong>Full Context Logging</strong> – Context (checkout, order), action taken, trigger type (rule or heuristic), risk score, and metadata</li>
<li><strong>Advanced Filtering</strong> – Filter logs by context, action, email, IP address, or order ID</li>
<li><strong>Automatic Retention</strong> – Daily WP-Cron task prunes logs older than your configured retention period (default: 90 days)</li>
<li><strong>Analytics Integration</strong> – Access a dedicated Security Logs report in WooCommerce > Analytics with date filtering and sorting</li>
<li><strong>Manual Management</strong> – Delete specific log entries or prune by age at any time</li>
</ul>
<p></p>
<h2>Powerful Admin Interface</h2>
<p>Everything you need, right inside WooCommerce:</p>
<ul class="wccom-tick-list-secondary">
<li><strong>Modern React UI</strong> – Fast, responsive settings interface built with WordPress components</li>
<li><strong>Risk Metabox</strong> – Color-coded badges, visual score bars, and risk factor breakdowns on every order</li>
<li><strong>Orders List Column</strong> – Optional fraud risk column with risk level badges and scores</li>
<li><strong>Customizable Messages</strong> – Edit the customer-facing block message and admin hold note templates</li>
<li><strong>Capability-Based Access</strong> – Configure which user role can manage Shop Defender settings</li>
<li><strong>Debug Mode</strong> – Enable detailed logging to the WooCommerce debug log for troubleshooting</li>
</ul>
<p></p>
<h2>Privacy & GDPR Compliance</h2>
<p>Transparent data handling built into the core:</p>
<ul class="wccom-tick-list-secondary">
<li><strong>Privacy Policy Integration</strong> – Automatic suggested privacy policy text added to WordPress Privacy settings</li>
<li><strong>Local Processing Only</strong> – No data sent to external services. All checks run entirely on your server.</li>
<li><strong>Configurable Retention</strong> – Set how long logs are kept (1–365 days) with automatic daily cleanup</li>
<li><strong>Data Transparency</strong> – Clear documentation of what data is collected, why, and how long it is stored</li>
<li><strong>Clean Uninstall</strong> – Optional removal of all plugin data (tables, options, order metadata) on uninstall</li>
</ul>
<p></p>
<h2>Seamless Integration</h2>
<p>Works with your existing WooCommerce setup:</p>
<ul class="wccom-tick-list-secondary">
<li><strong>WooCommerce HPOS</strong> – Fully compatible with High-Performance Order Storage</li>
<li><strong>Classic & Blocks Checkout</strong> – Full protection for both checkout experiences</li>
<li><strong>Multisite Ready</strong> – Per-site rule and log isolation on WordPress multisite networks</li>
<li><strong>WooCommerce Analytics</strong> – Dedicated Security Logs report in the Analytics dashboard</li>
<li><strong>REST API</strong> – Full CRUD API for rules, logs, and settings for programmatic management</li>
<li><strong>Developer Hooks</strong> – Actions and filters to extend fraud decisions, risk signals, and disposable domain lists</li>
<li><strong>Any Theme</strong> – Admin-only plugin with no frontend output — works with any theme</li>
</ul>

Shop Defender

<p>Stop losing revenue to fraudulent orders and chargebacks. Shop Defender catches bad actors before payment is processed — using custom rules, intelligent risk scoring, and disposable email detection — all running locally on your server with no third-party fees or data sharing.</p>

Invoice Payment Option vs Shop Defender