<h1>Offer Customers a Savings Plan to Buy Your Products</h1>
<p><strong>Savings Plan for WooCommerce</strong> helps users save for products you sell. When the buyer saves the total purchase price, it alerts them.</p>
<h2>Types of Savings Plans</h2>
<p><strong>Fixed Installment</strong></p>
<p>The user saves a fixed amount for a specified period.</p>
<p><strong>Fixed Duration</strong></p>
<p>The user saves for a product within a defined period. The user can save any amount, any number of times.</p>
<p><strong>Indefinite Duration</strong></p>
<p>In this Savings Plan type, there is no time limit. The user saves any amount any number of times.</p>
<h2>Benefits</h2>
<p><strong>Convert potential prospects to customers</strong></p>
<p>Offering a convenient way to save for future purchases within your site can help to convert potential prospects to customers.</p>
<p><strong>Gain insights into future sales</strong></p>
<p>Customers saving for purchases reveal future purchase intent. Track savings for products to predict purchase trends.</p>
<p><strong>Attract new customers</strong></p>
<p>Customers who benefit from savings plans may refer new users to your site.</p>
<h2>How does it work?</h2>
<p><strong>Fixed Installments Savings Plan</strong></p>
<ul>
<li>A user lands on a single-product page.</li>
<li>If the user wants to purchase the product, they click the Add-to-Cart button.</li>
<li>If the user wants to save for the product, they have to select the Save-for-this-Product checkbox.</li>
<li>Once enabled, the available savings plans display in a dropdown menu.</li>
<li>Once a savings plan is selected, the following details will be displayed:
<ul>
<li>Number of installments</li>
<li>Installment amount and installment frequency</li>
<li>Plan the start date and end date</li>
</ul>
</li>
<li>When the user selects the Pay-First-Installment button, the product will add to the cart. Once payment is complete, the savings plan opens.</li>
<li>Your users can access their savings plan from their My Account Page > My Savings Plan.</li>
<li>The user will manually pay the remaining installments. You can optionally enable Automatic Payments when your users pay using WooCommerce Stripe Payment Gateway.</li>
</ul>
<figure style="width: 1080px" class="wp-caption alignnone"><img src="https://woocommerce.com/wp-content/uploads/2021/04/single-product-page-fixed-installment.png" alt="" width="1080" height="608" /><figcaption class="wp-caption-text"><strong>Fixed Installment Dates without Deposit<br /></strong></figcaption></figure>
<figure style="width: 1080px" class="wp-caption alignnone"><img src="https://woocommerce.com/wp-content/uploads/2021/04/single-product-page-fixed-duration.png" alt="" width="1080" height="608" /><figcaption class="wp-caption-text"><strong>Fixed Installment Dates with a Deposit</strong></figcaption></figure>
<p><strong>Fixed Duration Savings Plan</strong></p>
<ul>
<li>A user lands on a single product page.</li>
<li>If the user wants to purchase the product, they click the Add-to-Cart button.</li>
<li>If the user wants to save for the product, they enable the Save-for-this-Product checkbox.</li>
<li>Once enabled, the available Savings Plans will display in a dropdown menu.</li>
<li>Once a Savings Plan is selected, the following details will display.
<ul>
<li>Plan start date and end date</li>
<li>A field to input the savings amount</li>
</ul>
</li>
<li>When the user selects the Pay-First-Installment button after inputting the savings amount, the product will add to the cart. The savings plan opens when the payment is complete.</li>
<li>Your users can access their savings plan from their My Account Page > My Savings Plan.The user will manually pay the remaining installments.</li>
<li>The Fixed Duration Savings Plan requires that the user saves for their chosen product within a defined time period. The user can save any amount, any number of times. You can optionally restrict the minimum or maximum amount of the savings plan.</li>
</ul>
<figure style="width: 1080px" class="wp-caption alignnone"><img src="https://woocommerce.com/wp-content/uploads/2021/04/single-product-page-indefinite-duration.png" alt="" width="1080" height="608" /><figcaption class="wp-caption-text"><strong>Fixed Duration with a Deposit and Indefinite Payments</strong></figcaption></figure>
<p><strong>Indefinite Duration Savings Plan</strong></p>
<ul>
<li>A user lands on a single product page.</li>
<li>If the user wants to purchase the product, they click the Add-to-Cart button.</li>
<li>If the user wants to save for the product, they enable the Save-for-this-Product checkbox.</li>
<li>Once enabled, the available savings plans will display in a dropdown menu.</li>
<li>Once a savings plan is selected, the following details will display:
<ul>
<li>Plan start date</li>
<li>A field to input the savings amount</li>
</ul>
</li>
<li>When the user selects the Pay-First-Installment button after inputting the savings amount, the product will add to the cart. The savings plan opens when the payment is complete.</li>
<li>Your users can access their savings plan from their <strong>My Account Page > My Savings Plan</strong>.The user will manually pay the remaining installments.</li>
<li>In the Indefinite Duration Savings Plan type, there is no time limit. The user can save any amount, any number of times. You can optionally place a restriction on the minimum or maximum amount saved.</li>
</ul>
<p><strong>Product Fulfillment Process</strong></p>
<ul>
<li>Once all installments are paid, the user is notified by email. The emails contain links directing users to checkout pages.</li>
<li>On the checkout page, the user can review their shipping address and make changes if needed. Users can agree to pay shipping costs, if applicable, and place their orders.</li>
<li>Savings Plan for WooCommerce helps users to save for products sold in your shop and purchase them once they save the total price.</li>
</ul>
<figure style="width: 1080px" class="wp-caption alignnone"><img src="https://woocommerce.com/wp-content/uploads/2021/04/savings-plan-email.png" alt="" width="1080" height="608" /><figcaption class="wp-caption-text"><strong>Savings Plan Completed Email</strong></figcaption></figure>
<figure style="width: 1080px" class="wp-caption alignnone"><img src="https://woocommerce.com/wp-content/uploads/2021/04/savings-plan-product-fulfillment.png" alt="" width="1080" height="608" /><figcaption class="wp-caption-text"><strong>Product Checkout After Saving the Money<br /></strong></figcaption></figure>
<h2><strong>Requirements</strong></h2>
<p>Minimum PHP version: 5.6</p>

Savings Plan

<p>Savings Plan for WooCommerce helps users to save for products sold on your shop and receive them once the amount has been saved.</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>
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<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>
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<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>

Savings Plan vs Shop Defender