Have you ever wanted to show different payment options to different customers? That’s exactly what
conditional payment gateways do: they show set-up-conditional or hide payment methods based on specific “if/then” rules.
For example, you might want to: set-up-conditional
- Disable cash on delivery for self employed database international customers (because this is
- not operationally possible).
- Disable bank transfers for digital products (since these items are delivered instantly, this can
- help prevent fraud).
- Disable certain payment options for larger orders (to reduce transaction fees).
This is
perfect for businesses like international retailers who need different payment methods per country,
luxury brands who want secure payment options for high-value purchases, and wholesale stores who offer special payment terms for bulk buyers.
The free Disable Payment Method for WooCommerce plugin makes setting up conditional payment
options easy and free. You can create rules based on shipping zones, cart totals, user roles, time of
day, and more, without touching any code.
First, you’ll need to install and activate the plugin. If you’re new to this process, check out our step-by-
step guide on how to install a WordPress plugin for beginners.
Once you’ve activated the plugin, go to “Payment Method” in your WordPress admin area. Then, click
the “+ Add disable payment method rule” button to start customizing your WooCommerce payment
methods.
Now, let’s explore the basic settings. At the top, you’ll find the “Status” button. This enables or
disables each rule to disable payment methods.
Under “Rule type,” you can choose between two options: disable specific payment methods or charge
extra fees for payment processing. For this tutorial, we’ll choose the first option.
That said, the second option is great if you want to approve processing fees for certain payment
methods, for example, adding a small fee for credit card payments.
If you want to learn more about this, check out our guide on how to pass on payment processing fees
to customers in WordPress .
Next, let’s give the rule a descriptive name. Using clear, descriptive names for your payment rules
makes it easier to manage multiple conditional payment setups later.
For example, if you are disabling Buy Now Pay Later options , you could name it “Disable BNPL
methods”.
Now, in the “Disable this payment methods*” box, select the options you want to disable.
In the box below, you can also optionally disable payment methods for specific currencies, which is
great if you have a multi-currency WooCommerce store . This option is particularly useful for
international stores where certain payment gateways only work with specific currencies.
In our example, we will disable payment gateways like Klarna , Affirm , and Afterpay as they are all Buy Now Pay Later services.
Moving down, you will find the section to set up conditional payment rules. Under ‘Below conditions
determine when to disable payment methods’, you have two options.
“All rules below must match” means that all the conditions you set must be true for the payment
method to be disabled. For example, if you set conditions for both the cart total and the user role,
customers must meet both conditions for the payment method to disappear.
“Any one of the below rule should match” means that the payment method will be disabled when only
one condition is met. So if you set rules for cart total or user role, meeting just one of those conditions
will hide the payment option.
For this example, we will use the first option set-up-conditional
Now, click on the “Select condition” drop-down menu. Here, you’ll find several categories to create
conditional payment rules, including spent my childhood in the countryside location, product,
shipping method, cart total, date and time, and user role.
As an example, let’s set up a payment gateway for specific cart amounts. We’ll choose ‘Cart Subtotal
(Before Discount)’ under the ‘Cart Related’ category to disable payment methods like Buy Now Pay
Later options when orders exceed a certain amount.
This helps reduce fake orders and fraud on higher value purchases on your WooCommerce store.
Then you can choose whether to disable payment methods when the condition is:
- Equal to (=)
- Less than or equal to (<=)
- Less than (<)
- Greater than or equal to (>=)
- Greater than (>)
- Not equal to (!=)
In our
example, we will use “Greater clean email than or equal to” as we want to disable certain payment
gateways in WooCommerce when orders reach or exceed our threshold amount.
Finally, enter your target value in the last field.
In our case, we’ll enter “250.” This means that when a customer’s cart reaches $250 or more,
WooCommerce will disable the Buy Now Pay Later payment methods we selected earlier.
