Smart Payment Gateway Control for WooCommerce

Description

Smart Payment Gateway Control for WooCommerce gives you complete control over which payment methods appear at your checkout. Build flexible IF → THEN rules to automatically show or hide gateways based on what’s in your customer’s cart.

Why You Need Smart Payment Control

By default, WooCommerce displays all enabled payment gateways to every customer. This creates a cluttered checkout and can lead to confusion, abandoned carts, or payment methods being used in ways you never intended. Smart Payment Gateway Control solves this by letting you set precise conditions for when each gateway should appear.

How It Works

1. Go to WooCommerce → Payment Rules in your WordPress admin.
2. Click Add Rule and choose a condition type.
3. Select the payment gateway you want to disable when that condition is met.
4. Hit Save Rules — that’s it.

Rules are evaluated in order, giving you full control over your checkout flow without writing a single line of code.

Available Condition Types

• Product Category — Hide gateways when the cart contains products from specific categories. Parent categories automatically include all child categories, saving you setup time.
• Specific Product — Target individual products or product variations with precision.
• Cart Total — Disable payment methods when the order amount is above, below, or equal to a custom threshold. Perfect for offering free orders a specific gateway or blocking high-risk payment options on large purchases.
• User Role — Show different payment options to wholesale customers, retail customers, subscribers, or guests. Create a personalized checkout for every user type.
• Shipping Method — Adjust available payment methods based on the customer’s chosen delivery option. For example, enable cash on delivery only for local pickup.
• Billing Country — Restrict or allow payment gateways based on the customer’s billing country. Essential for international stores managing region-specific payment processors.
• Order Quantity — Trigger rules based on the total number of items in the cart. Offer bulk purchase gateways or limit certain payment types for single-item orders.

Operators You Can Use

• is / is not — Simple matching for categories, products, roles, countries, and shipping methods.
• Greater than ( > ) / Greater than or equal ( >= ) — Perfect for cart totals and quantities.
• Less than ( < ) / Less than or equal ( <= ) — Set upper limits for payment methods.

Combine Multiple Conditions

Need more complex logic? Add AND conditions within a single rule. For example: “If the cart contains a product from the ‘Digital Downloads’ category AND the customer is a guest, then hide Bank Transfer.” Multiple conditions must all be true for the rule to apply.

Real-World Use Cases

• Enable Cash on Delivery only for physical products, not digital downloads.
• Restrict PayPal to orders under $500 to reduce fee exposure.
• Show Bank Transfer exclusively to wholesale customers.
• Limit Stripe to customers in the United States and Canada.
• Hide expensive payment gateways on small one-item orders.

Works With Any Payment Gateway

Smart Payment Gateway Control integrates with every payment gateway registered in WooCommerce — including Stripe, PayPal, Cash on Delivery, BACS Bank Transfer, and any custom or third-party gateway. No gateway-specific configuration is needed.

Lightweight & Performance-Friendly

The plugin only runs its logic during checkout, so there is zero impact on your site’s front-end performance or page speed. The admin interface uses the native WordPress and WooCommerce styling you’re already familiar with.

HPOS Compatible

Full compatibility with WooCommerce High-Performance Order Storage (HPOS) is declared, ensuring smooth operation on modern WooCommerce installations.

Support

Having trouble? Visit the support forum and we’ll help you out. Found this plugin useful? Please leave a 5-star review — it helps others discover Smart Payment Gateway Control and keeps development active.