Magento 2: How to Restrict Payment Methods by Specific Customer?

Magento 2: How to Restrict Payment Methods by Specific Customer?

Magento 2 is an open-source platform having tons of built-in customization options to optimize your online store. If you’re running international business then many time, you need to restrict specific payment methods for a specific region(s) or a customer(s).

Why Restrict Payments?


Not every customer has a sound financial history. They may be habitual in making late payments or their desired payment methods may end up being declined. From a business perspective, such customers are just a recipe for disaster. If you cannot stop selling them altogether, the least you can do is force them to pay using a method that is the most reliable and secure.

To Prevent Fraud

The below figure shows the most widely used payment methods for fraud.


Source: Statista

It may be that your store is experiencing high levels of fraud from PayPal. You can decide to block it altogether or restrict its use to your most loyal customers only. You may think that out of 100 transactions, only 3,4 may be fraudulent. Hence, there’s no need to look for Magento 2 restrict payment methods.

But that’s not the case. As you can see from the above image, eCommerce losses to payment frauds are quite high.


Source: Statista

These losses will only increase in the coming years. Therefore, the moment you experience a fraudulent transaction, working on preventing it again by restricting payment methods in Magento 2.

Customer Preferences

Certain customers have a preference for a specific payment method. For example, if you are selling high-value products, customers are least interested in ‘buy now, pay later’ schemes. They would prefer to make a full payment right away. So, offering them methods such Klarna serve no purpose. Remember, if you wish to achieve success in eCommerce, tailoring each aspect of your store to customer requirements, including the payment methods, is a must.


In some cases, certain payment methods are not available due to compliance issues or other restrictions. For example, Visa, Mastercard, and American Express are not available in Russia since its invasion of Ukraine. Therefore, there’s no point in offering these payment methods to customers in Russia.

Other Reasons

If you offer too many payment methods, you need a dedicated team to manage payment-related issues. The best option is to restrict payment methods for certain customers. This will compel all of them to choose from the few available options. This can reduce your team’s burden and allow them to focus on other business-critical functions.


Payment Restrictions Pro

Magento 2 Payment Restrictions extension: Customize payment methods based on shipping, customer groups, and product attributes to optimize conversions.

Magento 2 Payment Restrictions for Specific Customer

In order to hide a specific payment from specific customers, you need to have a 3rd party tool to implement payment restrictions for a specific customer. Checkout Magento 2 Payment Restrictions extension by FME which enables you to restrict payment method by specific customers.

Restrict Payment Methods by Specific Customer in Magento 2

To restrict payment methods by specific customers, you need to create a payment restriction rule.

First of all, download & install the Magento 2 Payment Restrictions Extension.

Now in Admin Panel, click FMEextensions on sidebar > Manage Restrictions Rules > Add New Rule


Fill the following mandatory fields:

  • Name – Enter the name of payment restriction Rule
  • Status – Option to Enable/Disable the Rule
  • Payment Methods – Choose the payment method that you want to restrict/hide
  • Store Views – Select the store view(s) where the rule will be applied
  • Priority – Set the rule priority in case you have created multiple restriction rules
  • Apply Operation as AND/OR – Set operation to AND if all conditions fulfill the requirement / Set to OR if any of the condition fulfills the requirements. In our case, this option won’t effect as we’re only applying the rule to a specific customer. You have to specify AND/OR operation only if you have setup multiple conditions in a rule.

Now Click the Customer Group /CustomersTab

Click the Customers dropdown > Select the customer(s) for which you want to restrict a payment method

Save the Rule. restrict-payment-methods-by-customers Checkout this tutorial, if you want to restrict payment method by a specific customer group.


If you face any issue while implementing payment restrictions in your store, then feel free to contact our support team for a quick fix. Remember not to restrict a widely used payment method for customers as it will undermine their user experience.

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