<h2>Add fees to orders based on payment method</h2>
<p>The Payment Gateway Based Fees extension enables you to add a fee to an order, depending on the chosen payment gateway.</p>
<p>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.</p>
<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>
<p> </p>
<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><strong>Since version 5.2 in active beta</strong> 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>
<p>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.</p>

Payment Gateway Based Fees

<p>Add fees to orders based on the selected payment method</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="">
<div class="">
<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>
<div class="">
<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>

Payment Gateway Based Fees vs Shop Defender