SoftwareSilo Payment Profiles and Mageplaza Payment Restrictions solve the same checkout problem from different directions. SoftwareSilo defines the methods an assigned buyer may use. Mageplaza can show or hide methods according to conditional rules and offers a larger Payment Suite when fees are also required.
Short answer: SoftwareSilo suits merchants who want payment allow lists for named B2B customers and customer groups, with website scope, cart conditions, and priorities. Mageplaza suits projects that need a broader restriction system around stores, locations, shipping methods, time periods, or payment surcharges.
Feature perspective
| Area | SoftwareSilo | Mageplaza |
|---|---|---|
| Rule outcome | Keep a profile's selected methods available | Show or hide selected methods |
| Individual accounts | Direct customer assignment | Verify the desired account targeting in the current edition |
| Customer groups | Yes | Yes |
| Cart/product conditions | Magento sales-rule conditions | Cart price rule-style conditions and product combinations |
| Website/store | Website per profile | Store-view scope |
| Shipping context | Available when exposed through Magento condition attributes | Explicitly marketed with shipping-method conditions |
| Scheduling | No dedicated dates or hours | Timeframe options published |
| Fees | No | Available through Mageplaza Payment Suite |
| Admin orders | Uses Magento's payment availability pipeline | Mageplaza advertises frontend/backend application options |
When SoftwareSilo is the cleaner choice
Payment Profiles works well when a merchant already knows the audience. A purchasing account can receive invoice payment, another customer can be held to prepayment, and a wholesale group can share a default set. Profiles can then be narrowed by the quote conditions and website.
This is useful for account managers because exceptions do not require a new Magento customer group. They can assign the customer directly. The visible profile name, allowed methods, assignments, conditions, website, and priority form one operational record.
When Mageplaza's scope helps
Mageplaza publishes rules for cart totals, customer groups, products, shipping methods, locations, stores, and time. Its Payment Suite combines restrictions with extra payment fees. That can reduce the number of separate modules when a merchant wants to both hide a method and add a surcharge to another.
Those features serve a different brief. SoftwareSilo deliberately does not calculate fees or alter totals. If fees are required, comparing only the purchase price of the restriction modules would miss part of the implementation.
Allow lists versus show/hide rules
An allow list starts with denial and opens only the approved methods for a matching profile. A show/hide engine starts with Magento's available methods and changes them as rules apply. Both can produce the same checkout in simple cases, but conflicts behave differently.
Write the expected final methods for every audience and scenario before configuration. A rule named “Invoice for dealers” is not a test case. “Customer A, website DE, subtotal €800, category spare parts: invoice and bank transfer visible; card hidden” is.
What neither module replaces
Neither product is itself a gateway. A visible method can still be rejected by its provider, currency settings, country rules, or Magento configuration. Payment restrictions also do not create a credit assessment, collection process, or purchase-order approval chain.
Adobe Commerce B2B includes company credit and purchase-order workflows for projects that need those capabilities. SoftwareSilo and Mageplaza are more focused tools for method availability.
Recommendation
Choose SoftwareSilo when individual customer assignment and a readable B2B allow-list model are the center of the requirement. Choose Mageplaza when you need its wider show/hide conditions, scheduling, shipping-specific controls, backend application options, or Payment Suite fees. In both cases, test the actual gateways and every checkout channel used by the store.
Sources
Last reviewed: August 9, 2026.