Restrict Payment Methods

Restrict Payment Methods allows store administrators to define rules that hide specific payment options at checkout based on the contents of the customer's cart. When a cart contains a product, a product from a specific category, or a product from a specific brand or manufacturer, the module automatically removes the designated payment methods from the checkout page. This is useful for handling payment restrictions that apply only to certain product types — for example, preventing cash on delivery for electronics or disabling a specific payment gateway for products from a particular manufacturer.

• Multiple restriction criteria: Rules can be triggered by product ID, category ID, or brand/manufacturer ID, and multiple criteria can be combined within a single rule.
• Server-side filtering: Payment method removal is enforced on the server via the paymentOptions hook, preventing bypass by client-side manipulation, with a secondary client-side fallback for older themes.
• Custom customer messages: Each rule can display a personalized message to the customer explaining why a payment method is unavailable.
• Multi-shop and multi-language support: Rules can be scoped to individual shops in a multi-store setup, and rule names support multiple languages.
• Performance optimizations: A one-hour caching system and bulk SQL queries minimize database load at checkout, with automatic cache invalidation when rules change.
• Bulk rule management: Multiple rules can be enabled, disabled, or deleted simultaneously from the admin interface.

This module is suited to store owners who need reliable, server-enforced payment restrictions tied to specific products, categories, or brands. It is particularly relevant for stores with mixed catalogs where different product types carry different payment compliance requirements or supplier agreements.