Some payment methods only make sense some of the time. Cash on delivery only when the customer picks local pickup. Invoice on orders over a certain amount. A wholesale gateway only for wholesale customers. This plugin adjusts the payment methods at checkout when the cart matches a rule you set, and leaves them alone the rest of the time.

Each rule is one line — choose a condition, set the value, then either hide the payment methods you pick or show only those. Add as many rules as you like, under WooCommerce Payment Rules. No sprawling settings, nothing phoning home.

Conditions you can check:

Cart total — less/greater than an amount (toggle “exclude shipping” to compare without the shipping cost).
Item count — less/greater than a number of items.
Shipping country — is / is not one of a list of ISO codes (e.g. SE, NO).
Shipping method — is / is not one of the shipping methods you tick, listed per shipping zone.
Customer role — is / is not a given role, including “Guest” for logged-out visitors.
Cart contents — digital only (nothing needs shipping), or contains a physical product.

What a rule does when it matches:

Hide these methods — the methods you picked are removed. This is what every rule did before 1.5.0, and it stays the default.
Show only these methods — the methods you picked are the only ones left at checkout.

Typical uses: hide cash on delivery unless the customer chose local pickup, hide the invoice option on small orders, show only card payment when shipping abroad, or offer a B2B method only to a wholesale role.

Keeping a screen of rules in order:

Switch a rule off to park it without deleting it. An off rule changes nothing at checkout, which is the quickest way to find out which rule is responsible for what.
Name a rule if you want to. The name is only for you — customers never see it, and it plays no part in matching.
Values are checked when you save. A rule that could never match — letters where an amount belongs, a country code that does not exist, a shipping method you have since deleted — is refused with the reason on its own row, instead of being saved and then quietly doing nothing.

What this plugin does not do: it does not track you, it does not send anything anywhere of its own, and it loads no third-party JavaScript in your admin. No opt-in screen, no review nagging, no support widget, and no greyed-out “Pro” conditions padding out the rule form. There is a Pro add-on and the settings page links to it once — that is the whole of it.

Pro add-on

One condition per rule is free, and stays free. If you need several conditions in a single rule combined with AND or OR, there is a separate Pro add-on; the settings page links to it. Everything described above works without it.

Jalma Conditional Payment Methods