Hey there! If you’re running a WooCommerce store like me, you know how important it is to offer the right payment options to your customers. But sometimes, you might want to limit which payment methods are available depending on specific conditions — like the total order amount or where your customer is located. In this guide, I’ll walk you through how to disable payment methods in WooCommerce based on various dynamic conditions.
Don’t worry, I’ll also include the code snippets you’ll need, along with explanations on how to use and modify them. Let’s dive in!
Sometimes, you might want to limit payment methods based on the total value of the cart. For example, maybe you only want to allow Cash on Delivery (COD) for orders above a certain amount. Here’s how you can do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_order_total' );
function disable_payment_gateway_based_on_order_total( $available_gateways ) {
if ( WC()->cart->total < 50 ) { // Change 50 to your desired minimum amount
unset( $available_gateways['cod'] ); // Disable Cash on Delivery if order total is less than $50
}
return $available_gateways;
}
This snippet checks the cart’s total and disables the COD option if the total is below a specific amount. You can modify the 50 in the code to any minimum order amount that makes sense for your store.
Sometimes, the number of items in the cart might dictate which payment methods are appropriate. For instance, you might want to disable credit card payments for bulk orders. Here’s how to handle that:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_item_count' );
function disable_payment_gateway_based_on_item_count( $available_gateways ) {
if ( WC()->cart->get_cart_contents_count() > 10 ) { // Change 10 to your preferred item count
unset( $available_gateways['stripe'] ); // Disable Stripe if more than 10 items are in the cart
}
return $available_gateways;
}
This code checks how many items are in the cart and disables the Stripe payment method if the count exceeds a certain number. Feel free to adjust the number 10 to fit your needs.
Different product types in WooCommerce, such as simple, variable, or virtual products, might require different payment methods. For instance, you might want to disable Cash on Delivery (COD) for virtual products since they don’t require shipping. Here’s how you can do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_product_type' );
function disable_payment_gateway_based_on_product_type( $available_gateways ) {
foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
$product = $cart_item['data'];
if ( $product->is_type( 'virtual' ) ) { // Change 'virtual' to the product type you want to restrict
unset( $available_gateways['cod'] ); // Disable COD for virtual products
break;
}
}
return $available_gateways;
}
This snippet checks if any item in the cart is of a specific product type (in this case, ‘virtual’) and disables the COD payment method for such products. You can replace 'virtual' with other product types like 'simple', 'variable', or 'downloadable' depending on your needs.
You might want to disable certain payment methods for specific products by their product ID. For instance, if you have a high-value product with a specific ID, you might want to disable Cash on Delivery (COD) for that product to reduce risk. Here’s how to do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_product_id' );
function disable_payment_gateway_based_on_product_id( $available_gateways ) {
$restricted_product_ids = array( 123, 456 ); // Replace with your product IDs
foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
if ( in_array( $cart_item['product_id'], $restricted_product_ids ) ) {
unset( $available_gateways['cod'] ); // Disable COD for specific products
break;
}
}
return $available_gateways;
}
This code checks if any product in the cart matches a specific product ID and disables the COD payment method for those products. You can modify the $restricted_product_ids array to include the IDs of products you want to restrict.
You might have products with specific titles where certain payment methods should not be available. For example, if a product title contains the word “pre-order,” you might want to disable COD. Here’s how to implement that:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_product_title' );
function disable_payment_gateway_based_on_product_title( $available_gateways ) {
foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
$product = $cart_item['data'];
if ( strpos( strtolower( $product->get_name() ), 'pre-order' ) !== false ) { // Replace 'pre-order' with the term you want to check for
unset( $available_gateways['cod'] ); // Disable COD for products with specific title
break;
}
}
return $available_gateways;
}
This snippet disables the COD payment method if any product in the cart has a title that contains the word “pre-order.” You can adjust the search term in the strpos function to fit the specific words you want to check for in the product title.
If you want to get even more granular and disable payment methods based on whether a product title contains certain keywords, here’s how you can do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_keywords_in_title' );
function disable_payment_gateway_based_on_keywords_in_title( $available_gateways ) {
$keywords = array( 'fragile', 'limited edition' ); // Add your keywords here
foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
$product_title = strtolower( $cart_item['data']->get_name() );
foreach ( $keywords as $keyword ) {
if ( strpos( $product_title, strtolower( $keyword ) ) !== false ) {
unset( $available_gateways['cod'] ); // Disable COD for products with specific keywords in the title
break 2;
}
}
}
return $available_gateways;
}
This snippet checks if any product title in the cart contains specific keywords (like ‘fragile’ or ‘limited edition’) and disables the COD payment method for those items. The $keywords array can be modified to include any words that you want to restrict.
You might want to offer specific payment methods only to customers who have previously purchased from your store, restricting certain options for first-time buyers. Here’s how you can do that:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_first_purchase' );
function disable_payment_gateway_based_on_first_purchase( $available_gateways ) {
$customer_orders = wc_get_orders( array(
'customer_id' => get_current_user_id(),
'limit' => 1,
) );
if ( empty( $customer_orders ) ) {
unset( $available_gateways['paypal'] ); // Disable PayPal for first-time buyers
}
return $available_gateways;
}
This snippet disables the PayPal payment method if the customer has never placed an order before. It’s useful for encouraging first-time buyers to use a specific payment method that’s more secure or favorable to your store.
If you use shipping classes in WooCommerce to manage shipping rates, you might want to disable certain payment methods based on the shipping class of products in the cart. Here’s how to do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_shipping_class' );
function disable_payment_gateway_based_on_shipping_class( $available_gateways ) {
foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
$product = $cart_item['data'];
if ( has_term( 'heavy-items', 'product_shipping_class', $product->get_id() ) ) { // Replace 'heavy-items' with your shipping class slug
unset( $available_gateways['cod'] ); // Disable COD for products with specific shipping class
break;
}
}
return $available_gateways;
}
This code snippet disables the COD payment method if any product in the cart belongs to a specific shipping class (e.g., ‘heavy-items’). Replace 'heavy-items' with the shipping class you want to target.
You might want to disable certain payment methods for customers who registered recently, encouraging them to build a history with your store first. Here’s how to implement that:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_registration_date' );
function disable_payment_gateway_based_on_registration_date( $available_gateways ) {
$user_id = get_current_user_id();
$registered_date = strtotime( get_userdata( $user_id )->user_registered );
$current_date = strtotime( date( 'Y-m-d H:i:s' ) );
// Check if the user registered within the last 30 days
if ( ( $current_date - $registered_date ) < ( 30 * DAY_IN_SECONDS ) ) {
unset( $available_gateways['cod'] ); // Disable COD for users registered within the last 30 days
}
return $available_gateways;
}
This snippet disables the COD payment method for users who have registered within the last 30 days. You can adjust the time period by changing the 30 * DAY_IN_SECONDS part of the code.
You might want to restrict certain payment methods based on the number of orders a customer has previously made. For example, you could disable specific payment options for customers with fewer than five orders. Here’s how to do that:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_order_count' );
function disable_payment_gateway_based_on_order_count( $available_gateways ) {
$customer_orders = wc_get_orders( array(
'customer_id' => get_current_user_id(),
) );
if ( count( $customer_orders ) < 5 ) { // Replace 5 with your desired order count threshold
unset( $available_gateways['stripe'] ); // Disable Stripe for customers with less than 5 orders
}
return $available_gateways;
}
This snippet disables the Stripe payment method for customers who have placed fewer than five orders. You can adjust the number 5 to match the threshold you want to set.
If you use custom meta fields in your products, you can disable payment methods based on the values of these fields. For example, if you have a custom meta field that flags a product as “high risk,” you might want to disable certain payment methods. Here’s how to do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_product_meta' );
function disable_payment_gateway_based_on_product_meta( $available_gateways ) {
foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
$product_id = $cart_item['product_id'];
$high_risk = get_post_meta( $product_id, '_high_risk', true ); // Replace '_high_risk' with your meta field key
if ( $high_risk == 'yes' ) {
unset( $available_gateways['paypal'] ); // Disable PayPal for high-risk products
break;
}
}
return $available_gateways;
}
This code snippet checks if a custom meta field (e.g., ‘_high_risk’) has a specific value (e.g., ‘yes’) for any product in the cart. If so, it disables the PayPal payment method. You can customize the meta field key and value to match your store’s setup.
In addition to product categories, you might want to restrict payment methods based on specific product tags. For example, if you have items tagged as “fragile,” you might want to disable certain payment methods to ensure that these items are handled with extra care. Here’s how you can do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_for_specific_tags' );
function disable_payment_gateway_for_specific_tags( $available_gateways ) {
foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
$product = $cart_item['data'];
if ( has_term( 'fragile', 'product_tag', $product->get_id() ) ) { // Change 'fragile' to your product tag slug
unset( $available_gateways['cod'] ); // Disable COD for products tagged as fragile
break;
}
}
return $available_gateways;
}
This code checks if any item in the cart has a specific tag (like ‘fragile’) and disables the COD payment method for those items. You can replace 'fragile' with any product tag you use in your store and adjust the payment method accordingly.
You can restrict payment methods based on the presence of products from specific categories. Here’s a way to do that:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_cart_contents' );
function disable_payment_gateway_based_on_cart_contents( $available_gateways ) {
$restricted_category = 'sale'; // Replace 'sale' with your category slug
foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
$product = $cart_item['data'];
if ( has_term( $restricted_category, 'product_cat', $product->get_id() ) ) {
unset( $available_gateways['paypal'] ); // Disable PayPal for products in the 'sale' category
break;
}
}
return $available_gateways;
}
This snippet disables PayPal if any item in the cart belongs to a specific category (like ‘sale’). You can change 'sale' and 'paypal' to your own category and payment method respectively.
The user’s zip code can also determine which payment methods are available. For instance, you might want to disable certain payment methods in specific regions:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_zip_code' );
function disable_payment_gateway_based_on_zip_code( $available_gateways ) {
$user_zip = WC()->customer->get_billing_postcode();
$restricted_zip = array( '10001', '10002' ); // Add your restricted zip codes here
if ( in_array( $user_zip, $restricted_zip ) ) {
unset( $available_gateways['cod'] ); // Disable COD for restricted zip codes
}
return $available_gateways;
}
This code snippet disables COD if the customer’s zip code is in the restricted list. You can add or remove zip codes from the $restricted_zip array as needed.
Some payment gateways might not operate in certain countries. Here’s how you can disable a payment method based on the user’s country:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_country' );
function disable_payment_gateway_based_on_country( $available_gateways ) {
$user_country = WC()->customer->get_billing_country();
if ( $user_country === 'US' ) { // Replace 'US' with the country code you want to restrict
unset( $available_gateways['paypal'] ); // Disable PayPal for customers in the US
}
return $available_gateways;
}
This snippet disables PayPal for customers in the specified country. Replace 'US' with the relevant country code where you want to restrict the payment method.
In some cases, you might need to restrict payment methods based on the customer’s state:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_state' );
function disable_payment_gateway_based_on_state( $available_gateways ) {
$user_state = WC()->customer->get_billing_state();
if ( $user_state === 'CA' ) { // Replace 'CA' with the state code you want to restrict
unset( $available_gateways['cod'] ); // Disable COD for customers in California
}
return $available_gateways;
}
This code disables COD for customers in a specific state. Just replace 'CA' with the state code of your choice.
Different user roles might require different payment options. Here’s how to restrict payment methods based on the user’s role:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_user_role' );
function disable_payment_gateway_based_on_user_role( $available_gateways ) {
if ( current_user_can( 'wholesale_customer' ) ) { // Replace 'wholesale_customer' with your user role
unset( $available_gateways['stripe'] ); // Disable Stripe for wholesale customers
}
return $available_gateways;
}
This snippet disables Stripe for users with the wholesale_customer role. You can adjust the role and payment method to fit your needs.
Your chosen shipping method might also influence which payment methods are available. Here’s how to set that up:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_shipping_method' );
function disable_payment_gateway_based_on_shipping_method( $available_gateways ) {
$chosen_shipping_methods = WC()->session->get( 'chosen_shipping_methods' );
if ( in_array( 'local_pickup', $chosen_shipping_methods ) ) { // Replace 'local_pickup' with your shipping method
unset( $available_gateways['paypal'] ); // Disable PayPal for local pickup
}
return $available_gateways;
}
This code disables PayPal if the customer selects local pickup as their shipping method. Replace 'local_pickup' and 'paypal' with your preferred shipping method and payment gateway.
Sometimes, you might want to limit which payment methods are available when a customer uses certain coupons. For example, you might offer a special discount for using a particular payment gateway and disable others when that coupon is applied. Here’s how you can do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_coupon' );
function disable_payment_gateway_based_on_coupon( $available_gateways ) {
if ( WC()->cart->has_discount( 'specialdiscount' ) ) { // Replace 'specialdiscount' with your coupon code
unset( $available_gateways['stripe'] ); // Disable Stripe when the coupon is applied
}
return $available_gateways;
}
This snippet checks if a specific coupon (in this case, 'specialdiscount') is applied to the cart. If it is, the Stripe payment gateway is disabled. You can replace 'specialdiscount' with your actual coupon code and 'stripe' with the payment gateway you want to disable. This approach helps guide your customers toward using the payment method you prefer when they take advantage of specific promotions.
Sometimes, you might offer significant discounts on your products, and you may want to restrict certain payment methods for those discounted items. For example, you might require customers to use a credit card when a large discount is applied. Here’s how to do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_discount' );
function disable_payment_gateway_based_on_discount( $available_gateways ) {
$discount_threshold = 100; // Set your discount threshold here
if ( WC()->cart->get_cart_discount_total() > $discount_threshold ) {
unset( $available_gateways['cod'] ); // Disable COD if discount is greater than threshold
}
return $available_gateways;
}
This snippet disables the Cash on Delivery (COD) option if the total discount applied to the cart exceeds a certain amount (e.g., $100). You can adjust the $discount_threshold and the payment method to suit your store’s requirements.
Certain dates, like holidays or special promotional periods, might require you to restrict certain payment methods. For example, you might disable COD during a big sale to streamline order processing. Here’s a simple way to achieve that:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_date' );
function disable_payment_gateway_based_on_date( $available_gateways ) {
$current_date = date( 'Y-m-d' );
$restricted_date = '2024-12-25'; // Set the date you want to restrict
if ( $current_date == $restricted_date ) {
unset( $available_gateways['cod'] ); // Disable COD on the specified date
}
return $available_gateways;
}
This code snippet checks the current date and disables the COD option if the date matches a specific day (e.g., December 25, 2024). You can change the $restricted_date to any date you want to apply the restriction.
Sometimes, certain payment methods might be more suitable during specific months. For instance, you might want to disable certain options during peak sales periods. Here’s how you can do that:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_month' );
function disable_payment_gateway_based_on_month( $available_gateways ) {
$current_month = date( 'm' );
if ( $current_month == '12' ) { // 12 represents December
unset( $available_gateways['stripe'] ); // Disable Stripe during December
}
return $available_gateways;
}
This snippet checks the current month and disables the Stripe payment method during December. You can change the month number ('12') and the payment gateway to match your store’s needs.
Time-based restrictions can be useful, especially if you want to limit certain payment methods outside of regular business hours. Here’s how to do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_time' );
function disable_payment_gateway_based_on_time( $available_gateways ) {
$current_hour = date( 'H' );
if ( $current_hour < 9 || $current_hour > 17 ) { // Restrict payment methods outside 9 AM to 5 PM
unset( $available_gateways['cod'] ); // Disable COD outside business hours
}
return $available_gateways;
}
This code snippet disables the COD payment method if the current time is outside of the 9 AM to 5 PM range. You can adjust the time range and the payment method based on your store’s operating hours.
The total weight of items in the cart might affect which payment methods are appropriate. For example, you might want to restrict certain payment methods for heavy shipments due to increased shipping costs. Here’s how you can set this up:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_cart_weight' );
function disable_payment_gateway_based_on_cart_weight( $available_gateways ) {
$cart_weight = WC()->cart->get_cart_contents_weight();
if ( $cart_weight > 20 ) { // Set your weight threshold here (in kg)
unset( $available_gateways['cod'] ); // Disable COD for carts over 20kg
}
return $available_gateways;
}
This snippet disables COD if the total weight of the items in the cart exceeds a certain threshold (e.g., 20kg). You can adjust the weight limit and payment method according to your needs.
In some cases, you might need to be more granular with address-based restrictions, beyond just zip codes. For instance, you might want to disable certain payment methods for specific cities or even streets. Here’s how you can do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_shipping_address' );
function disable_payment_gateway_based_on_shipping_address( $available_gateways ) {
$customer_city = WC()->customer->get_shipping_city();
$restricted_cities = array( 'New York', 'Los Angeles' ); // Add your restricted cities here
if ( in_array( $customer_city, $restricted_cities ) ) {
unset( $available_gateways['paypal'] ); // Disable PayPal for customers in these cities
}
return $available_gateways;
}
This code disables PayPal for customers whose shipping address is in one of the restricted cities. You can modify the $restricted_cities array to include the cities or streets you want to target.
The device or browser used by the customer can also be a factor in which payment methods are offered. For example, you might want to offer mobile-specific payment options. Here’s a way to implement that:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_device' );
function disable_payment_gateway_based_on_device( $available_gateways ) {
if ( wp_is_mobile() ) {
unset( $available_gateways['cod'] ); // Disable COD for mobile users
}
return $available_gateways;
}
This snippet checks if the customer is using a mobile device and disables the COD payment method if they are. You can replace 'cod' with any other payment gateway you want to restrict for mobile users.
Sometimes, you might want to restrict payment methods based on the customer’s IP address, especially if you suspect fraud or need to comply with regional regulations. Here’s how you can do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_ip' );
function disable_payment_gateway_based_on_ip( $available_gateways ) {
$customer_ip = WC_Geolocation::get_ip_address();
$restricted_ips = array( '192.168.1.1', '203.0.113.0' ); // Add your restricted IP addresses here
if ( in_array( $customer_ip, $restricted_ips ) ) {
unset( $available_gateways['stripe'] ); // Disable Stripe for these IP addresses
}
return $available_gateways;
}
This code snippet disables the Stripe payment method for customers with specific IP addresses. You can adjust the $restricted_ips array to include the IP addresses you want to restrict.
If you want to restrict payment methods based on the customer’s email domain (e.g., only allow certain payment methods for corporate emails), here’s how you can do it:
add_filter( 'woocommerce_available_payment_gateways', 'disable_payment_gateway_based_on_email_domain' );
function disable_payment_gateway_based_on_email_domain( $available_gateways ) {
$user = wp_get_current_user();
$email_domain = substr( strrchr( $user->user_email, "@" ), 1 );
$restricted_domains = array( 'gmail.com', 'yahoo.com' ); // Add your restricted email domains here
if ( in_array( $email_domain, $restricted_domains ) ) {
unset( $available_gateways['paypal'] ); // Disable PayPal for these email domains
}
return $available_gateways;
}
This snippet checks the domain of the customer’s email address and disables the PayPal payment method if it matches any of the restricted domains. Modify the $restricted_domains array to include the domains you want to target.
We’ve covered a lot of ground in this guide, exploring various ways to customize payment methods in WooCommerce based on different conditions. By implementing these customizations, you can enhance the checkout experience for your customers while also ensuring that your store runs smoothly and efficiently.
Here are a few best practices to keep in mind:
Test Thoroughly: Always test these customizations in a staging environment before applying them to your live store. This will help you catch any potential issues without affecting your customers.
Clear Communication: Make sure to clearly communicate any restrictions on payment methods to your customers. This can help avoid confusion and ensure a smoother checkout process.
Keep it Simple: While it’s tempting to add a lot of custom conditions, try to keep things simple and focus on the most important restrictions that will have the biggest impact.
Regular Updates: Regularly review and update your payment method conditions as your business needs evolve. What works today might need adjustment as your store grows and changes.
Monitor Feedback: Keep an eye on customer feedback related to payment methods. If you notice any patterns or issues, it might be worth revisiting your customizations.
Customizing payment methods in WooCommerce based on dynamic conditions gives you greater control over your store’s checkout process. These customizations can lead to a better customer experience and improved operational efficiency. By taking the time to implement these strategies, you can tailor your store to better meet the needs of both your business and your customers.
If you haven’t tried customizing payment methods in WooCommerce yet, now is a great time to start. These tweaks can make a big difference in how your store operates, and they’re easier to implement than you might think.
If you found this article interesting, found errors, or just want to discuss about them, please get in touch.