Conditional Payments and Gateway Fees for WooCommerce — is a powerful tool that gives you complete control over the payment options available at your store's checkout. Standard WooCommerce checkout can be restrictive, but this plugin allows you to create an unlimited number of rules to show, hide, or add fees to payment gateways based on specific conditions, tailoring the checkout experience to your business needs and customer profiles.
With this plugin, you can easily implement complex business logic. For example, you can hide high-fee payment gateways for low-value orders to protect your margins, or offer special payment methods like 'Payment by Invoice' exclusively to your wholesale customers. You can also add surcharges for certain gateways, like a processing fee for credit cards or an extra charge for Cash on Delivery, ensuring you cover your costs and maintain profitability.
The intuitive rule builder makes configuration a breeze, requiring no coding knowledge. By optimizing your payment options, you not only improve your store's operational efficiency but also enhance the customer's checkout journey. A cleaner, more relevant set of payment choices leads to reduced cart abandonment and increased conversions, making this plugin an essential addition for any serious WooCommerce store owner.
Why This Is Important For Your Store
Managing payment gateways effectively is crucial for profitability and customer satisfaction. Here’s how this plugin addresses common pain points:
- Protect Your Margins: Payment processors can charge 2-3% per transaction. For low-margin products, this can eliminate your profit. With this plugin, you can disable costly gateways for certain products or add a small fee to cover the cost, directly protecting your bottom line.
- Reduce Cart Abandonment: According to Baymard Institute, a complicated checkout process is a major reason for cart abandonment. By showing customers only the payment options relevant to them (based on their location, role, or cart contents), you simplify the process and increase the likelihood of a completed sale.
- Improve B2B/Wholesale Workflow: Don't show 'Payment by Invoice' to regular retail customers. This plugin allows you to restrict specific payment methods to certain user roles, creating a professional and streamlined purchasing process for your B2B clients.
Features
- Conditionally enable or disable payment gateways based on powerful rules.
- Add fixed amount or percentage-based fees to any payment gateway.
- Set conditions based on cart total (subtotal, total with shipping).
- Restrict gateways by products, product categories, or product tags in the cart.
- Control payment options based on user role (e.g., wholesale, subscriber).
- Set rules based on the selected shipping method or shipping zone.
- Enable/disable gateways for specific billing or shipping countries.
- Option to apply fees before or after tax calculation.
- Combine multiple 'AND' / 'OR' conditions for highly specific rules.
- User-friendly interface for creating and managing an unlimited number of rules.
Fee Application Scenarios
| Scenario | Problem | Solution with Plugin | Financial Impact |
|---|---|---|---|
| Cash on Delivery (COD) | COD has higher risks and handling costs (e.g., extra courier fees). | Add a fixed $5 handling fee to the COD payment gateway. | Recovers all additional operational costs associated with COD orders. |
| Credit Card Payments | Credit card processors charge an average of 2.5% per transaction. | Add a 2.5% processing fee to all credit card payment options. | Increases net profit margin by 2.5% on all credit card sales. |
| Small Orders via PayPal | PayPal's fixed fee portion makes small transactions unprofitable. | Disable PayPal for orders under $15, encouraging bank transfers instead. | Prevents losing money on small-value orders. |
| International Orders | International transactions often incur higher fees and currency conversion costs. | Add a 1.5% 'Cross-Border Fee' to gateways for non-domestic customers. | Covers extra costs and mitigates currency fluctuation risks. |
How to install the plugin?
- Download the plugin archive using the button above.
- Navigate to Plugins > Add New in your WordPress dashboard.
- Click "Upload Plugin" at the top and select the downloaded ZIP file.
- Install, activate the plugin, and follow the quick setup wizard instructions.
FAQ
Can I restrict a payment gateway to a specific user role, like 'Wholesale Customer'?
Yes, absolutely. One of the core features is the ability to create rules based on user roles. You can easily set up a rule to show a specific payment method (like 'Bank Transfer' or 'Invoice') only to users with the 'Wholesale Customer' role, while hiding it from all other customers.
How are the fees I add displayed to the customer at checkout?
The fee is added as a separate line item in the order summary on the checkout page once the customer selects the corresponding payment method. The label for this fee is customizable, so you can name it 'Processing Fee', 'Handling Surcharge', or anything you prefer, ensuring transparency for your customers.
Is it possible to disable a payment gateway if a specific product is in the cart?
Yes. You can create a rule that disables a payment gateway (for example, a high-fee one like PayPal) if the cart contains a specific product, products from a certain category, or products with a specific tag. This is useful for controlling payment options for digital goods, subscription products, or items with very low margins.
Will this plugin slow down my website's checkout process?
The plugin is lightweight and optimized for performance. The conditional logic runs efficiently on the server during the checkout page load and does not add any noticeable delay. It is designed to integrate seamlessly with WooCommerce without impacting the speed or user experience of your store.
