If you run a WooCommerce store that ships internationally or sells a mix of products, you’ve probably run into this problem: not every payment method makes sense for every order. Cash on Delivery shouldn’t be available for a $2,000 order. PayPal might not be worth offering to customers in countries where fraud risk is high. And certain high-value or restricted products may need to be paid for only through bank transfer or a verified gateway.
By default, WooCommerce shows every active payment gateway to every customer, regardless of what’s in their cart or where they’re ordering from. That’s where a plugin to manage payment methods by product & country for woocommerce becomes essential — it lets you decide exactly which gateways appear, and under what conditions.
Why You Need to Restrict Payment Methods by Product or Country
Here are a few real situations where controlling checkout payment options makes a measurable difference:
- Reduce fraud and failed orders: Disable Cash on Delivery for large orders or for countries with high return/fraud rates.
- Support B2B and wholesale customers differently: Offer Bank Transfer only to logged-in wholesale accounts, while retail customers see standard gateways.
- Match payment options to shipping regions: Some gateways only make sense for certain billing or shipping countries. You can show PayPal only for domestic orders, for example, and require a different method for international customers.
- Protect specific products: High-value or custom-order products can be restricted to trusted payment methods only.
- Run time-based promotions or restrictions: Limit a payment method to specific days or date ranges, such as disabling COD during a high-demand sale period.
Introducing Payment Methods by Product & Country for WooCommerce
Payment Methods by Product & Country for WooCommerce (also listed as Restrict Payment Methods For WooCommerce) is a plugin built specifically to solve this problem. It adds a rule-based condition builder to your WooCommerce settings, so you can show or hide any payment gateway based on what’s actually happening in the cart or at checkout — no custom code required.
Instead of every customer seeing the same static list of payment options, you define rules once, and WooCommerce applies them automatically at checkout.
Free Version Features
- Easy installation and setup — no coding needed
- Create multiple restriction rules
- Enable or disable specific payment gateways per rule
- Advanced matching logic with AND/OR conditions
- A user-friendly, grouped condition builder
Conditions available in the free version include:
- Cart subtotal
- Cart quantity
- Specific products
- User login status (logged in or guest)
- User roles
- Specific users
- Shipping method
- Billing country, state, and city
- Shipping country, state, and city
- Day of week
- Date range
This means you can already build rules like “hide Cash on Delivery for shipping countries outside the US” or “only show PayPal for carts over $50” without touching a single line of code.
Pro Version: Advanced Product & Category-Based Control
For stores that need finer-grained control by product, the Pro version adds conditions based on:
- Shipping class
- Product type
- Product stock status
- Billing email
- Shipping email
- Product categories
- Product tags
- Product brands
This unlocks more advanced setups, such as restricting a payment method for an entire product category, hiding a gateway for out-of-stock items, or applying rules based on a customer’s email domain — useful for separating B2B accounts from retail customers.
Example Use Cases
- Show PayPal only if the cart subtotal is $50 or more
- Hide Cash on Delivery when cart quantity exceeds 10 items
- Allow Bank Transfer only for logged-in users
- Show Stripe only on specific days, such as Mondays
- Restrict PayPal for specific billing countries
- Hide certain gateways during a defined date range, like a promotional period
- Combine multiple conditions in a single rule for precise control
How It Works
- Install and activate the plugin.
- Go to WooCommerce → Settings → Payments Restrictions.
- Create a new rule.
- Select the payment gateway or gateways the rule applies to.
- Add one or more conditions — product, country, cart total, user role, and more.
- Save the rule and test it at checkout.
Rules apply automatically once saved, and you can create as many as your store needs — there’s no limit on the number of restriction rules.
Compatibility
- Works with the latest WooCommerce versions
- Compatible with most WooCommerce-compatible payment gateways
- Supports custom gateways that follow the standard WooCommerce payment API
Frequently Asked Questions
Does this plugin work with all payment gateways?
Yes. It supports all WooCommerce-compatible gateways.
Can I create multiple restriction rules?
Yes, you can create unlimited rules and combine conditions using AND/OR logic.
Can I restrict a payment method by country and product at the same time?
Yes. Conditions can be combined in a single rule, so you can, for example, hide a gateway for a specific product only when the shipping country matches a certain region.
Will it work with custom payment gateways?
Yes, as long as they follow WooCommerce’s payment API standards.
Is it compatible with WooCommerce Subscriptions or Memberships?
It works with most extensions that follow the standard WooCommerce checkout flow.
Is there a Pro version available?
Yes. The Pro version adds advanced conditions like product categories, tags, brands, stock status, and email-based rules.
Final Thoughts
Offering the right payment method to the right customer isn’t just a convenience feature — it directly affects fraud prevention, order accuracy, and checkout completion rates. With Payment Methods by Product & Country for WooCommerce, you get a flexible, no-code way to control exactly which gateways appear, based on the product, the customer’s location, their role, and more. Start with the free version’s condition builder, and upgrade to Pro when you need product category, brand, or email-based rules.