> ## Documentation Index
> Fetch the complete documentation index at: https://docs.sendway.eu/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment rules

> Show or hide payment methods based on the cart, country, or product.

<Tip>**Plan:** Starter or Pro.</Tip>

Payment rules control which payment methods a buyer can pick, conditionally. Same shape as delivery rules: one condition + one action per rule.

Open **Checkout settings → Rules → Payment** to configure.

## Common examples

<AccordionGroup>
  <Accordion title="Hide cash on delivery for high-value carts">
    **Condition:** Cart total over €250
    **Action:** Hide "Cash on delivery"

    The most common pattern — above a certain total, the COD refusal risk isn't worth it.
  </Accordion>

  <Accordion title="Only allow COD in your home country">
    **Condition:** Country is not Bulgaria
    **Action:** Hide "Cash on delivery"
  </Accordion>

  <Accordion title="Show bank transfer only for wholesale carts">
    **Condition:** Cart contains a specific product (a wholesale-only SKU)
    **Action:** Show "Bank transfer"
  </Accordion>

  <Accordion title="Block COD for a risky product line">
    **Condition:** Cart contains a flagged product (fragile, made-to-order, high-fraud)
    **Action:** Hide "Cash on delivery"
  </Accordion>
</AccordionGroup>

## How rules combine

Like delivery rules, payment rules apply independently. Each payment method is checked against every rule that affects it; if at least one matching rule says "hide", it's hidden.

<Note>
  Payment rules act on Shopify's checkout step — where the buyer picks the payment method. On Pro's [Direct checkout](/popup/direct-checkout), the popup's own payment section (COD + optional card) is configured on the **Mode** tab instead; rules still apply to buyers who go through Shopify checkout, e.g. after picking card.
</Note>

## Combining with COD fees

[COD fees](/payments/cod-fees) and payment rules pair well:

* **Fee** → the buyer can still choose COD, but pays a small fee for it
* **Rule** → COD is hidden entirely under certain conditions

Use fees as the default behavior and rules as the hard stop for high-risk cases.