Description
Restricting payment methods in Magento 2 is a critical feature for any e-commerce business looking to optimize the checkout process, improve security, and prevent fraud. Whether you’re limiting payment options based on customer groups, shipping methods, or order totals, having control over payment configurations enhances user experience (UX) and risk management.
This guide explores the best strategies to restrict payment methods in Magento 2 using native settings, custom code, and third-party extensions.
Default Payment Configuration in Magento 2
Before we dive into more advanced methods, let’s start with Magento 2's native settings for managing payment methods.
Accessing Payment Method Settings
To configure your payment methods in Magento 2:
- Log in to your Admin Panel.
- Go to Stores > Configuration.
- Under the Sales section, click on Payment Methods.
You will see various payment gateways such as PayPal, credit cards, bank transfers, and Cash on Delivery.
In this post, you can learn how to Restrict Shipping Method by Customer Group in Magento 2
Limitations of Default Payment Management
While Magento 2 provides basic controls for enabling and disabling payment methods, it lacks advanced settings for restricting payments by customer segments, regions, or specific transaction thresholds. These limitations might hinder performance optimization and fraud prevention, making more robust options necessary.
How to Restrict Payment Methods Based on Customer Group in Magento 2
Restricting payment methods by customer group is vital for businesses that cater to both B2B and B2C markets. For instance, you may want to offer bank transfers for wholesale customers but limit options like Stripe or PayPal for retail buyers.
Using Native Magento Settings for Basic Restrictions
Magento 2 allows minimal restrictions, such as setting minimum and maximum order totals. However, it does not natively allow restrictions by customer group, limiting your ability to fully control the checkout experience.
Custom Code for Restricting Payment Methods by Customer Group
For advanced control, using custom code is often required. Here’s how to implement restrictions using PHP:
- Identify the Customer Group ID using Magento’s customer session.
- Modify Payment Logic by writing code that checks the customer group during checkout.
- Disable Specific Payment Methods for selected groups using PHP logic.
Here is a simple code snippet:
public function afterIsAvailable(
\Magento\Payment\Model\Method\AbstractMethod $subject,
$result
) {
$customerGroupId = $this->customerSession->getCustomerGroupId();
if ($customerGroupId == 3) { // Wholesale group
return false; // Disable for this group
}
return $result;
}
Third-Party Extensions for Payment Restrictions
If you’re not comfortable with coding, there are several third-party extensions like BSS Commerce Magento 2 Payment Restrictions extension that allow you to manage restrictions easily:
✅ Restrict shipping methods by product type, weight, or destination.
✅ Create a customized shipping experience for your customers.
✅ Improve efficiency and reduce shipping-related issues.
Explore this extension here: https://bsscommerce.com/magento-2-shipping-and-payment-method-per-customer-group-extension.html
Restricting Payment Methods Based on Shipping Method
In some cases, it makes sense to restrict payment methods based on the selected shipping method. For example, you might want to allow Cash on Delivery only for local deliveries but restrict it for international shipments.
Using Extensions for Shipping-Based Restrictions
Extensions like Amasty or Mageplaza can simplify this process. Here's how to configure it:
- Install the Extension.
- Go to Stores > Configuration > Payment Restrictions.
- Set up rules connecting shipping methods to payment methods. For example, enable Cash on Delivery only for local orders.
This allows businesses to ensure that only relevant payment methods are displayed based on the customer’s delivery option
Advanced Restrictions: Based on Order Total, Region, or Store View
Restrict Payment Methods by Order Total
For higher-value orders, you may want to restrict specific payment methods to manage transaction fees or reduce the risk of fraud. For instance, allowing bank transfers for orders over $1,000, but offering credit card and Stripe for smaller orders.
Restrict Payment Methods by Region
If your store serves multiple regions, restricting payment methods based on the customer’s location ensures compliance with regional payment preferences and regulations. In Magento’s default settings, this can be configured by adjusting the Allowed Countries list for each payment method.
Restrict Payment Methods by Store View
In multi-store setups, restricting payment methods per store view can help tailor the checkout experience for different regions or audiences. Extensions like Mageplaza offer easy configuration for this purpose.
Security and Fraud Prevention Considerations
When configuring payment method restrictions, security should be a primary concern. Ensuring that your store adheres to PCI Compliance, uses SSL certificates, and implements multi-factor authentication (MFA) will protect both your business and your customers.
Extensions that support recurring payments should also be evaluated for their fraud prevention mechanisms. Always test restrictions in a staging environment before going live to avoid any potential checkout disruptions.
Best Practices for Managing Payment Method Restrictions in Magento 2
Regularly Review Payment Methods
Keep track of your payment method performance and adjust settings as customer preferences evolve. For instance, if you notice an increase in Stripe usage, prioritize its placement over PayPal to enhance user experience.
Testing Payment Restrictions
Always test new restrictions in a staging environment before applying them to your live store. This ensures that all restrictions work smoothly and prevent any payment gateway errors that could affect transaction completion.
FAQ on Payment Method Restrictions in Magento 2
How do I restrict payment methods for specific regions?
You can restrict payment methods for certain regions by adjusting the Allowed Countries list in Magento’s default settings or using extensions for more granular control.
Is there an extension for restricting payment methods by customer group?
Yes, BSS Commerce offers a solution for restricting payment methods by customer groups, allowing for targeted payment for one or many customer groups
Read more about the features of this extension here: https://padlet.com/bsscommerce2/bss-commerce-magento-2-extensions-daeupwn8e7mglxvk/wish/pRxDZ4rxm7AVa183
Conclusion
In conclusion, restricting payment methods in Magento 2 is vital for optimizing the checkout process, improving security, and enhancing user experience. Whether through custom code or third-party extensions, businesses can gain full control over their payment options, providing a smoother and more efficient checkout experience for customers.