SoftwareSilo and Amasty can both change which payment methods Magento shows, but they start from different mental models. SoftwareSilo builds an approved set of methods for a customer or group. Amasty builds rules that block methods when their conditions apply. That distinction matters more than the length of either feature list.
Short answer: Choose SoftwareSilo when payment policy is account-led: selected customers or groups receive a defined set of methods, with website and cart conditions deciding when the profile applies. Choose Amasty when you need an exception-led restriction engine with schedules, messages, coupons, purchase history, or detailed address rules.
Side-by-side
| Requirement | SoftwareSilo Payment Profiles | Amasty Payment Restrictions |
|---|---|---|
| Core logic | Allow methods listed by a matching profile | Block methods selected by a matching restriction |
| Customer groups | Yes | Yes |
| Individual customer assignment | Direct assignment grid | Conditions can use customer attributes; confirm exact account workflow for your version |
| Cart and product conditions | Magento sales-rule condition tree | Cart, product, customer, address, and advanced conditions |
| Website/store scope | One website per profile | Store views per rule |
| Conflict handling | Numeric priority; first matching assigned rule drives the rule list | Multiple restriction rules can operate together |
| Schedule | Not a dedicated profile field | Days and time supported |
| Restriction message | No dedicated message | Optional message for blocked methods |
| Purchase-history conditions | Not advertised | Advertised by Amasty |
| Payment processing | No | No |
The SoftwareSilo approach
Suppose a distributor has three policies:
- approved trade accounts: invoice and bank transfer;
- new wholesale accounts: bank transfer and card;
- guests: card and PayPal.
SoftwareSilo expresses these as profiles. A profile can be tied to the relevant groups, refined to individual customers, scoped to a website, and constrained by the current cart. Finance staff can read the list of allowed methods without reversing a stack of negative rules.
The priority field is important. A lower number is evaluated first when multiple assigned profiles match. Teams should document that order instead of treating priority as a last-minute fix.
The Amasty approach
Amasty is comfortable with policies such as “block cash on delivery if the shipping address is outside this region” or “hide this gateway on weekends.” Its guide documents store views, customer groups, schedules, subtotal settings, backorder handling, coupons, purchase history, and custom restriction messages.
Multiple restrictions can accumulate. That gives administrators flexibility, but it also makes testing combinations essential. A rule that looks harmless alone can remove the final viable payment method when combined with another rule or a gateway's own availability settings.
Which is easier to operate?
Neither rule model is universally easier. Ask finance to write three real policies in plain language. If most begin with “these customers may use…”, the SoftwareSilo profile model will usually map cleanly. If most begin with “never show this method when…”, Amasty's block rules may feel more direct.
SoftwareSilo is intentionally focused. It has no built-in schedule or replacement message. Amasty publishes more condition types and presentation controls. Conversely, SoftwareSilo makes individual account assignment a visible part of profile administration and keeps the approved set central.
Migration considerations
Moving from one model to the other is not a field-for-field import. Start with a policy matrix:
| Audience | Context | Allowed methods | Forbidden methods | Fallback |
|---|---|---|---|---|
| Approved wholesale | Normal order | Invoice, bank transfer | Others | Bank transfer |
| New wholesale | First orders | Card, bank transfer | Invoice | Card |
| Guest | Public website | Card, PayPal | Invoice | Card |
Then rebuild and test each row. Include zero-total carts, virtual products, guest checkout, admin orders, multi-website stores, and gateway failures. Never infer success from the Admin form alone; inspect the final checkout result.
Honest recommendation
SoftwareSilo is the stronger fit for a compact, account-oriented B2B payment allow list on Magento Open Source. Amasty is stronger when the project requires scheduled blocking, restriction messages, purchase-history checks, or its broader condition catalog. Choose the policy model your operations team can still explain six months later.
Sources
Last reviewed: August 9, 2026.