📄 WooCommerce Product Payments – Using Payment Gateways per Category

📚 Overview

The WooCommerce Product Payments plugin allows you to control which payment gateways are available per product or per product category.

Think of it as a gatekeeper at checkout: only the allowed payment methods are shown to the customer.

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⚙️ Key Feature: Category-Based Rules

Within the plugin settings, the Categories section allows you to control payment gateways per category.

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🔘 Enable / Disable Category Filtering

You can enable or disable category-based filtering for each payment gateway.

• Enabled: Rules are applied

• Disabled: Gateway is available for all products

📸 Screenshot – Enable Category Filter 👉 [Insert screenshot: toggle switch for category filtering]

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➕ Include / ➖ Exclude Categories per Gateway

You can define exactly which categories are allowed or blocked per payment gateway.

Important Rule:

If you include a category for one gateway, and you want it to be exclusive, you must exclude it from other gateways.

👉 Otherwise, the category may still appear in multiple gateways.

📸 Screenshot – Include / Exclude Categories 👉 [Insert screenshot: category selection UI per gateway]

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🧠 How to Use It Effectively

1431. Enable category filtering for a payment gateway

1432. Include the categories that should allow this gateway

1433. For other gateways:

      • Explicitly exclude those same categories

📸 Screenshot – Example Configuration 👉 [Insert screenshot: one gateway include + others exclude]

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🧪 Examples

Example 1: Exclusive Payment Method

• Category: Premium Products

• Allowed gateway: Wire Transfer only

Setup:

• Include “Premium Products” under Wire Transfer

• Exclude “Premium Products” under all other gateways

📸 Screenshot – Exclusive Gateway Setup 👉 [Insert screenshot: Wire Transfer include + others exclude]

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Example 2: Block a Gateway

• Category: Gift Cards

• Gateway: PayPal should NOT be allowed

Setup:

• Exclude “Gift Cards” under PayPal

📸 Screenshot – Excluding a Category 👉 [Insert screenshot: PayPal exclude setting]

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🔀 Cart Behavior (Important)

When customers add multiple products with different gateway rules:

You can configure how payment methods are determined:

• Common gateways only (default) Only shared payment methods across all products are shown

• Cheapest gateway Automatically selects the lowest-cost payment option

• Most expensive gateway Forces the highest-cost payment method

📸 Screenshot – Cart with Multiple Products 👉 [Insert screenshot: checkout showing filtered gateways]

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⚠️ Why This Matters

Avoid Overlapping Rules

Without proper exclusions, categories may unintentionally remain available across multiple gateways.

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Keep Checkout Clean

Proper configuration prevents confusing combinations like:

• Cash on Delivery for high-value items

• Unsupported payment methods for specific products

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📋 Quick Recap

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💡 Final Tip

If you want a payment gateway to be exclusive for a category:

👉 Include it for that gateway 👉 Exclude it everywhere else

Think of it like access control:

• Include = allow access

• Exclude = deny access

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🚀 Pro Tip (Support Saver)

Most issues come from:

• Forgetting to exclude categories in other gateways

• Misunderstanding cart behavior with multiple products

👉 When in doubt: check both include AND exclude settings

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