Conditional Payments for WooCommerce — control which payment gateways appear at checkout based on cart total, product, coupon, user role, shipping country, and more. No coding required. 14 pre-built rule templates included.

By default, WooCommerce shows all your active payment gateways to every customer — no matter what they’re buying, where they’re shipping, or who they are. This plugin lets you create conditional payment rules that hide or show specific payment methods based on real conditions at checkout.

Common Problems This Plugin Solves

Cash on Delivery available for high-risk or high-value orders
International customers seeing domestic-only payment methods
Wholesale customers unable to use preferred payment options
No built-in way to set conditional payments in WooCommerce based on cart conditions

Conditional payments for WooCommerce — rules list

Key Features

14 Pre-Built Rule Templates — Start from ready-made templates for the most common conditional payment scenarios.
Priority & Safe Mode — Set rule priority with drag-and-drop. Safe Mode ensures rules only hide gateways — never remove all options accidentally.
Debug Logging — See exactly which rules ran and which gateways were hidden on each checkout.
Works with Checkout Blocks — Fully compatible with WooCommerce Block-based Checkout (WooCommerce 8.3+) and classic shortcode checkout.
Works with Any Gateway — PayPal, Stripe, BACS, Cash on Delivery, Square — any gateway that registers correctly with WooCommerce.

Conditional payment gateway rule templates for WooCommerce

14 Conditional Payment Rule Templates Included

Product in cart — Hide a gateway when specific products are in the cart
Category in cart — Hide a gateway for orders containing products from selected categories
Coupon applied — Hide a gateway when a specific coupon code is applied
Cart subtotal — Hide a gateway based on cart subtotal (before shipping/taxes)
Cart total — Hide a gateway based on final cart total (including shipping and taxes)
Shipping destination — Hide a gateway based on shipping country and state
Billing destination — Hide a gateway based on billing country and state
Shipping method — Hide a gateway when a specific shipping method is selected
User logged in — Hide a gateway for guests or logged-in customers
User role — Hide a gateway for specific user roles
Product quantity in cart — Hide a gateway based on quantity of specific products
Date / time — Hide a gateway on specific days or outside office hours
Currency — Hide a gateway when a specific currency is active
Specific customer — Hide a gateway for specific customers identified by billing email, phone, IP address, or shipping address (any match)

Conditional payment priority order in WooCommerce checkout

How It Works — 3 Simple Steps

Create a Rule — Choose from 14 pre-built templates. Set up in a few clicks.
Set Conditions — Configure conditions and drag to set priority order.
Activate & Test — Enable the rule and verify with debug logging.

WooCommerce conditional payment debug logging

Real Store Use Cases

Reduce COD Fraud — Hide Cash on Delivery for orders above $150 to cut returns and chargebacks.
Control by Country — Hide bank transfer for international orders so only domestic customers see it.
Hide When Coupon Applied — Hide COD when a discount code is applied for prepaid-only promotions.
B2B vs B2C Checkout — Show wire transfer and invoice options only to wholesale user roles.

What Store Owners Say

“Finally, we could hide COD for high-value orders without touching code. Setup took 10 minutes and our chargebacks dropped.”

— Store owner, fashion & accessories

“We needed different payment options for B2B vs B2C. The user role condition solved it. Support was quick when we had a question.”

— Operations manager, wholesale store

“Simple and does one thing well. No bloat. The debug log helped us verify every rule before going live.”

— Developer, multi-site agency

Frequently Asked Questions

Does it work with the new WooCommerce Checkout Block?
Yes. Fully compatible with both Classic Checkout and Block-based Checkout (WooCommerce 8.3+).

Can I use more than one condition per rule?
Each rule has a single condition. You can create multiple rules and set their priority with drag-and-drop. Multi-condition rules may be added in a future update.

What if every payment gateway gets hidden?
Safe Mode ensures the plugin only hides gateways — never adds or enables them. Design your conditional payment rules so at least one method stays visible at all times.

Does it work with Stripe, PayPal, and other gateways?
Yes. Works with any WooCommerce payment gateway: Stripe, PayPal, Square, BACS, Cash on Delivery, and more.

How do I debug when a rule doesn’t work?
Turn on Debug Logging under WooCommerce → Conditional Payments → Settings. The log records which rules ran and which gateways were hidden on each checkout load.

Is the plugin translation-ready?
Yes. Ships with a .pot file. Use Loco Translate, WPML, or any translation plugin to add your language.

Changelog

Version 1.3.0

- The “Specific Customer” rule now supports unlimited conditions. You can add any number of conditions with different types (email, phone, IP address, shipping address) to a single rule
- Combine conditions using OR (at least one must pass) or AND (all must pass) logic within a single rule
- New operators added: “contains” and “does not contain” for the shipping address field
- The “Hide These Gateways” section now lists all registered WooCommerce payment gateways, not just the enabled ones
- Existing “Specific Customer” rules saved in previous versions are automatically migrated to the new format with no reconfiguration needed
- Fixed a deprecated dynamic property notice on PHP 8.2+ and WordPress 6.4+
- Fix: Improved compatibility with third-party payment gateways to prevent checkout errors when conditional rules hide payment methods.
- Added a new condition template to hide payment gateways based on WooCommerce product brands.
- Added a new condition template to hide payment gateways based on WooCommerce product tags.
- Added a new setting to optionally show a customer-facing message on the cart and checkout pages when a payment gateway is unavailable, explaining which product caused it and how the customer can make that gateway available again.

Version 1.1.0

- Added "Specific Customer" condition type — match by billing email, billing phone, IP address (wildcard/range supported), or shipping address with OR logic.