<h2 class="wp-block-heading">Key Features</h2>
<ul class="wccom-tick-list-secondary">
<li>Apply a global extra fee across all payment gateways in one step to simplify your checkout fee strategy. Example: Add a 2% processing fee that automatically applies to every payment method without setting them up individually.</li>
<li>Charge fees or offer discounts based on the payment method to balance transaction costs. Example: Charge an extra $0.30 for PayPal payments or offer a 2% discount for Direct Bank Transfers.</li>
<li>
Configure more than one fee for a single payment gateway to cover additional costs. Example: Add a $0.30 fee for processing PayPal payments and an additional 3.9% charge for the order total.
</li>
<li>
Add specific fees for certain product categories or exclude them entirely for others. Example: Apply a 2% fee for electronics and exclude fees for apparel purchases. 
</li>
<li>Apply payment gateway fees conditionally based on the selected shipping method to fine-tune your checkout costs. Example: Add a ₹50 fee for Cash on Delivery only when Flat Rate Shipping is used, and skip it for Free Shipping.</li>
<li>Choose whether fixed product-level fees are charged once or multiplied by quantity for more accurate cost control. Example: Charge a ₹100 fee per item for fragile goods, so ordering 3 units adds ₹300 instead of just ₹100.</li>
<li>Tailor fees to reflect regional transaction costs or currency exchange charges. Example: Add a 4.4% fee for non-U.S. payments and 2.9% for U.S.-based transactions.</li>
<li>Apply percentage-based fees either on each product or the full cart total when fees are set at the product level. Example: Add a 5% handling fee per product for fragile items or apply 5% to the entire cart for bulk orders.</li>
<li>Avoid cart abandonment by informing customers of fees upfront on the product page. Example: Show “2.5% extra charge applies for PayPal payments” on the product details page.</li>
<li>Customize fees as a fixed amount or a percentage of the total order value. Example: Apply a 2.5% fee on the total order value for credit card payments or charge a flat $0.50.</li>
<li>Avoid discouraging small orders by waiving fees below a set order amount. Example: No additional fees for orders under $20.</li>
<li>Set payment gateway-specific fees or discounts for individual products to handle product-based pricing strategies. Example: Add a ₹50 fee for COD only on heavy items, or offer a 5% discount for prepaid orders on select electronics.</li>
<li>Set fee limits to keep charges reasonable and predictable. Example: Cap the fee at $5 for high-value orders while maintaining a minimum of $1.</li>
<li>
Ensure some payment methods remain fee-free to encourage their usage. Example: No extra charges for Stripe payments while fees apply to others.
</li>
<li>Apply or skip fees depending on whether a coupon is used during checkout. Example: Waive the payment gateway fee if the customer uses a 10% discount coupon.</li>
<li>Ensure compliance by applying taxes to gateway fees where required. Example: Add a 7% tax to a $2.00 payment gateway fee in applicable regions.</li>
<li>Keep gateway fees fair by calculating them only on product costs. Example: Apply a 2% fee on the subtotal without including shipping charges in the calculation. </li>
</ul>
<h2>Manage Payment Gateway Charges and Maintain Transparent Pricing </h2>
The Payment Gateway Based Fees & Discounts plugin allows you to add extra fees as a fixed amount or a percentage of the cart total. It also lets you offer discounts, acting as cashback, for specific payment gateways. Additionally, it ensures transparency by showing the exact fee amount during checkout.
<h3>Add Extra Fees or Discounts for Payment Gateways <img class="aligncenter size-full wp-image-18734004790110" src="https://woocommerce.com/wp-content/uploads/2025/01/dbt.png" alt="" width="980" height="536" /> Set Multiple Fees for Each Payment Gateway </h3>
<img class="aligncenter size-full wp-image-18734004790113" src="https://woocommerce.com/wp-content/uploads/2025/01/credit-card-fees-and-additional-fees.png" alt="" width="980" height="568" />
<h3>Apply Fees Based on Product Categories</h3>
<img class="aligncenter size-full wp-image-18734004790114" src="https://woocommerce.com/wp-content/uploads/2025/01/pgbf-categories.png" alt="" width="678" height="215" />
<img class="aligncenter size-full wp-image-18734004790115" src="https://woocommerce.com/wp-content/uploads/2025/01/electronic-category-frontend.png" alt="" width="980" height="513" />
<h3>Adjust Fees by Customer’s Country or State</h3>
<img class="aligncenter size-full wp-image-18734004790117" src="https://woocommerce.com/wp-content/uploads/2025/01/fees-based-on-country-us.png" alt="" width="980" height="538" />
<h3>Display Transparent Fee Information on Product Pages</h3>
<img class="aligncenter size-full wp-image-18734004790119" src="https://woocommerce.com/wp-content/uploads/2025/01/extra-fees-added-on-product-page.png" alt="" width="980" height="473" />
Use Fixed or Percentage-Based Fees for Order Totals
<img class="aligncenter size-full wp-image-18734004790120" src="https://woocommerce.com/wp-content/uploads/2025/01/minimum-cart-amount.png" alt="" width="705" height="182" />
<img class="aligncenter size-full wp-image-18734004790121" src="https://woocommerce.com/wp-content/uploads/2025/01/pgbf-order-total-based-fees.png" alt="" width="587" height="722" />
<h3>Skip Fees for Orders Below a Certain Subtotal</h3>
<img class="aligncenter size-full wp-image-18734004790123" src="https://woocommerce.com/wp-content/uploads/2025/01/fees-not-applied-if-minimum-order-total-condition-is-not-met.png" alt="" width="616" height="715" />
<h3>Apply Minimum and Maximum Fee Values</h3>
 
<img class="aligncenter size-full wp-image-18734004790125" src="https://woocommerce.com/wp-content/uploads/2025/01/min-and-max-fee-value.png" alt="" width="670" height="123" />
<h3>Exclude Certain Gateways from Fees</h3>
 
<img class="aligncenter size-full wp-image-18734004790126" src="https://woocommerce.com/wp-content/uploads/2025/01/exclde-certain-gateways.png" alt="" width="675" height="434" />
Enable Fees Based on Coupon Usage
<img class="aligncenter size-full wp-image-18734004790128" src="https://woocommerce.com/wp-content/uploads/2025/01/coupons-rule.png" alt="" width="755" height="522" />
Add Taxes to Payment Gateway Fees
<img class="aligncenter size-full wp-image-18734004790131" src="https://woocommerce.com/wp-content/uploads/2025/01/tax-totals-applied-to-cod-fee.png" alt="" width="762" height="660" />
<h3>Exclude Shipping Costs from Fee Calculations</h3>
<img class="aligncenter size-full wp-image-18734004790132" src="https://woocommerce.com/wp-content/uploads/2025/01/exclude-shipping.png" alt="" width="672" height="290" />
Percentage Fee Calculation on Entire Cart or Individual Products When Fees Are Enabled at Product Level
<img class="aligncenter size-full wp-image-18734005462583" src="https://woocommerce.com/wp-content/uploads/2025/02/Percentage-Fees-calculations-on-whole-cart-or-on-individual-product-when-fees-enabled-at-product-level-1.png" alt="" width="980" height="659" />
Payment Gateway-Based Fees Per Product
<img class="aligncenter size-full wp-image-18734005467757" src="https://woocommerce.com/wp-content/uploads/2025/02/paymen-gateway-based-fees-per-product.png" alt="" width="980" height="391" />
Global Extra Fee to Be Applied to All Respective Payment Gateways <img class="aligncenter size-full wp-image-18734005467767" src="https://woocommerce.com/wp-content/uploads/2025/02/Global-extra-fee-to-be-applied-on-all-the-respective-payment-gateways.png" alt="" width="980" height="493" />Fixed Fee Calculation: Apply Once or Multiply by Product Quantity at the Product Level 
<img class="aligncenter size-full wp-image-18734005467771" src="https://woocommerce.com/wp-content/uploads/2025/02/Fixed-Fees-calculations-only-once-or-multiply-by-product-quantity-at-product-level.png" alt="" width="980" height="633" />
Fee Based on Shipping Methods
<img class="aligncenter size-full wp-image-18734005467774" src="https://woocommerce.com/wp-content/uploads/2025/02/Fee-based-on-shipping-methods.png" alt="" width="980" height="693" />
<h2>Payment Gateway Based Fees and Discounts Free Vs Premium – Full Feature Comparison</h2>
<img class="aligncenter size-full wp-image-18734004897914" src="https://woocommerce.com/wp-content/uploads/2025/02/Screenshot_12-2-2025_152842_www.tychesoftwares.com_.jpeg" alt="" width="668" height="1903" />

Payment Gateway Based Fees and Discounts Pro

Add custom fees or discounts to payment gateways to balance transaction costs, encourage cost-effective payment methods, and maintain transparency at checkout.

<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>
 
<hr class="wccom-product-heading__hr" />

<h2>Key Benefits</h2>
<ul class="wccom-tick-list-primary">
<li>Stop Fraud Before Payment – Block fraudulent orders at checkout before any money changes hands</li>
<li>100% Local — No External APIs – All fraud checks run on your server. No data leaves your site, no third-party dependencies, no per-transaction fees</li>
<li>Flexible Response Actions – Block suspicious orders outright, place them on hold for review, or flag them for attention — your rules, your call</li>
<li>Intelligent Risk Scoring – Automatic fraud detection with disposable email detection, IP tracking, country mismatch analysis, and more</li>
</ul>

<h2>Main Features</h2>
<ul class="wccom-tick-list-secondary">
<li>Custom Blocking Rules – Create rules targeting emails, domains, phones, IPs, countries, addresses, names, payment methods, and shipping methods</li>
<li>4 Matching Modes – Exact match, contains, wildcard patterns, and full regex support</li>
<li>Automatic Risk Scoring – 6 configurable risk signals with adjustable weights and thresholds</li>
<li>Classic & Blocks Checkout – Full protection for both WooCommerce checkout experiences</li>
<li>Order Risk Metabox – Color-coded risk badges, scores, and detailed risk factors on every order</li>
<li>Complete Audit Trail – Every fraud check logged with context, action, trigger, score, and metadata</li>
<li>WooCommerce Analytics Integration – Security Logs report directly in the WooCommerce Analytics dashboard</li>
<li>GDPR & Privacy Ready – Built-in privacy policy integration with transparent data handling</li>
</ul>

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<h3>Rule-Based Blocking</h3>
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.
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<h3>Intelligent Risk Scoring</h3>
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.
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<h3>Real-Time Checkout Protection</h3>
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.
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<h3>Order Risk Assessment</h3>
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.
</div>
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<h2>How It Works</h2>
<ol>
<li>Install & Activate – Upload the plugin and activate it alongside WooCommerce</li>
<li>Enable Protection – Navigate to WooCommerce > Settings > Advanced > Shop Defender and enable the plugin</li>
<li>Configure Risk Thresholds – Adjust signal weights and set your block/hold score thresholds</li>
<li>Create Rules (Optional) – Add custom rules for known bad actors, risky domains, or suspicious patterns</li>
<li>Monitor & Review – Review flagged orders, check risk scores, and refine your rules using the audit log</li>
</ol>

<h2>Comprehensive Rule Types</h2>
Target fraud from every angle:
<ul class="wccom-tick-list-secondary">
<li>Email & Domain – Block specific addresses or entire domains (e.g., *@disposable.com)</li>
<li>Phone Number – Normalized matching strips formatting differences automatically</li>
<li>IP Address – Block known bad IPs with exact or pattern matching</li>
<li>Country, State, City & Postcode – Geographic restrictions for billing and shipping</li>
<li>Billing & Shipping Address – Catch suspicious address patterns like PO boxes</li>
<li>Customer Name – Block known fraudulent names with case-insensitive matching</li>
<li>Payment Method – Restrict specific payment methods for flagged contexts</li>
<li>Shipping Method – Route orders based on chosen shipping options</li>
</ul>

<h2>Configurable Risk Signals</h2>
Fine-tune fraud detection with six adjustable signals:
<ul class="wccom-tick-list-secondary">
<li>Disposable Email Detection – Bundled database of 5,000+ known disposable email domains (default: +30 points)</li>
<li>Failed IP Tracking – Flag IPs with a history of blocked orders in a configurable lookback period (default: +20 points)</li>
<li>Country Mismatch – Detect when billing and shipping countries differ (default: +15 points)</li>
<li>Suspicious Address Keywords – Configurable keyword list for risky address patterns like PO boxes (default: +10 points)</li>
<li>New Account Detection – Flag orders from recently created accounts (default: +10 points, configurable age threshold)</li>
<li>High-Value Order Alerts – Extra scrutiny for orders above a configurable amount (default: +15 points, $300 threshold)</li>
</ul>

<h2>Three Response Actions</h2>
Choose the right response for every situation:
<ul class="wccom-tick-list-secondary">
<li>Block – Hard deny at checkout. Payment is never processed. The customer sees your customizable error message. Draft orders are automatically deleted.</li>
<li>Hold – 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>Flag – The order completes normally but is marked with a warning. A note and risk score are attached for your review when fulfilling.</li>
</ul>

<h2>Complete Audit Trail</h2>
Every fraud check is logged for accountability and analysis:
<ul class="wccom-tick-list-secondary">
<li>Full Context Logging – Context (checkout, order), action taken, trigger type (rule or heuristic), risk score, and metadata</li>
<li>Advanced Filtering – Filter logs by context, action, email, IP address, or order ID</li>
<li>Automatic Retention – Daily WP-Cron task prunes logs older than your configured retention period (default: 90 days)</li>
<li>Analytics Integration – Access a dedicated Security Logs report in WooCommerce > Analytics with date filtering and sorting</li>
<li>Manual Management – Delete specific log entries or prune by age at any time</li>
</ul>

<h2>Powerful Admin Interface</h2>
Everything you need, right inside WooCommerce:
<ul class="wccom-tick-list-secondary">
<li>Modern React UI – Fast, responsive settings interface built with WordPress components</li>
<li>Risk Metabox – Color-coded badges, visual score bars, and risk factor breakdowns on every order</li>
<li>Orders List Column – Optional fraud risk column with risk level badges and scores</li>
<li>Customizable Messages – Edit the customer-facing block message and admin hold note templates</li>
<li>Capability-Based Access – Configure which user role can manage Shop Defender settings</li>
<li>Debug Mode – Enable detailed logging to the WooCommerce debug log for troubleshooting</li>
</ul>

<h2>Privacy & GDPR Compliance</h2>
Transparent data handling built into the core:
<ul class="wccom-tick-list-secondary">
<li>Privacy Policy Integration – Automatic suggested privacy policy text added to WordPress Privacy settings</li>
<li>Local Processing Only – No data sent to external services. All checks run entirely on your server.</li>
<li>Configurable Retention – Set how long logs are kept (1–365 days) with automatic daily cleanup</li>
<li>Data Transparency – Clear documentation of what data is collected, why, and how long it is stored</li>
<li>Clean Uninstall – Optional removal of all plugin data (tables, options, order metadata) on uninstall</li>
</ul>

<h2>Seamless Integration</h2>
Works with your existing WooCommerce setup:
<ul class="wccom-tick-list-secondary">
<li>WooCommerce HPOS – Fully compatible with High-Performance Order Storage</li>
<li>Classic & Blocks Checkout – Full protection for both checkout experiences</li>
<li>Multisite Ready – Per-site rule and log isolation on WordPress multisite networks</li>
<li>WooCommerce Analytics – Dedicated Security Logs report in the Analytics dashboard</li>
<li>REST API – Full CRUD API for rules, logs, and settings for programmatic management</li>
<li>Developer Hooks – Actions and filters to extend fraud decisions, risk signals, and disposable domain lists</li>
<li>Any Theme – Admin-only plugin with no frontend output — works with any theme</li>
</ul>

Shop Defender

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.

Payment Gateway Based Fees and Discounts Pro vs Shop Defender