WooCommerce: Disable Payment Gateway By Product Type

Ever wondered if you could toggle payment gateways based on whether a given “product type” is in the WooCommerce Cart? For example, disable PayPal if there are simple subscription products, or enable Stripe only when there are variable products?

Well, with this simple code (and the 2 examples) you find below, you can manage to achieve just that. The second example regards the WooCommerce Subscriptions plugin, as this requires some plugin-specific functions to check for the product type. Enjoy!

Table Of Contents

1. PHP Snippet 1: Disable Payment Gateway Based on Product Type e.g. "Simple" Product @ WooCommerce Checkout
2. PHP Snippet 2: Disable Payment Gateway Based on WooCommerce Subscriptions Product Type e.g. "Simple Subscription" @ WooCommerce Checkout

PHP Snippet 1: Disable Payment Gateway Based on Product Type e.g. “Simple” Product @ WooCommerce Checkout

In this example, we unset “paypal” in case there are “simple” products in the cart. You can also use “grouped” and “variable” (“external” doesn’t count as it requires no on-site payment), as well as other custom type keys added by third party plugins.

/**
 * @snippet       Disable WooCommerce Payment Gateway By Product Type
 * @how-to        Get CustomizeWoo.com FREE
 * @author        Rodolfo Melogli
 * @compatible    WooCommerce 7
 * @community     https://businessbloomer.com/club/
 */

add_filter( 'woocommerce_available_payment_gateways', 'bbloomer_disable_payment_by_product_type' );
 
function bbloomer_disable_payment_by_product_type( $available_gateways ) {
   if ( ! WC()->cart ) return $available_gateways;
   $types = array();
   foreach ( WC()->cart->get_cart() as $cart_item_key => $cart_item ) {
      $product = $cart_item['data'];
      $types[] = $product->get_type() ? $product->get_type() : null;
   }
   $types = array_unique( $types );
	if ( in_array( 'simple', $types ) && isset( $available_gateways['paypal'] ) ) {
		unset( $available_gateways['paypal'] );
	}
	return $available_gateways;
}

PHP Snippet 2: Disable Payment Gateway Based on WooCommerce Subscriptions Product Type e.g. “Simple Subscription” @ WooCommerce Checkout

In this example, we unset “paypal” in case there are “simple subscription” products in the cart (WooCommerce Subscriptions plugin).

/**
 * @snippet       Disable WooCommerce Payment Gateway By Subscription Product Type
 * @how-to        Get CustomizeWoo.com FREE
 * @author        Rodolfo Melogli
 * @compatible    WooCommerce 7
 * @community     https://businessbloomer.com/club/
 */

add_filter( 'woocommerce_available_payment_gateways', 'bbloomer_disable_payment_by_subscription_product_type' );
 
function bbloomer_disable_payment_by_subscription_product_type( $available_gateways ) {
	if ( class_exists( 'WC_Subscriptions_Cart' ) && WC_Subscriptions_Cart::cart_contains_subscription() && isset( $available_gateways['paypal'] ) ) {
		unset( $available_gateways['paypal'] );
	}
	return $available_gateways;
}

Where to add custom code?

You should place custom PHP in functions.php and custom CSS in style.css of your child theme: where to place WooCommerce customization?

This code still works, unless you report otherwise. To exclude conflicts, temporarily switch to the Storefront theme, disable all plugins except WooCommerce, and test the snippet again: WooCommerce troubleshooting 101

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Rodolfo Melogli

Business Bloomer Founder

Author, WooCommerce expert and WordCamp speaker, Rodolfo has worked as an independent WooCommerce freelancer since 2011. His goal is to help entrepreneurs and developers overcome their WooCommerce nightmares. Rodolfo loves travelling, chasing tennis & soccer balls and, of course, wood fired oven pizza. Follow @rmelogli