Magento 2 Extension Payment Profiles / Payment Restrictions

Magento 2 payment restrictions by customer, customer group, website, cart conditions, and clear rule priority.

SoftwareSilo Payment Profiles controls which existing Magento 2 payment methods remain available for a particular buyer and cart. It is built for stores where invoice, bank transfer, purchase order, card, PayPal, cash on delivery, or another installed method should not be offered to every customer.

A practical B2B payment policy inside Magento: Approved trade accounts can receive invoice payment, new customers can stay on prepaid methods, and exceptional accounts can have their own selection without forcing the merchant to create another customer group.

Create readable allow-list profiles: Each profile has a name and a defined set of payment methods. When the profile matches, only methods in that approved set can remain visible. This is often easier for finance and support to understand than a long chain of negative exceptions.

Assign customer groups: Link a profile to one or more Magento customer groups. Common examples include wholesale, approved dealers, prepaid customers, VIP accounts, or the Not Logged In group for a controlled guest policy.

Handle individual customer exceptions: A customer assignment grid lets administrators attach profiles directly to selected accounts. You can grant or remove a payment option for one business without reorganizing the complete group structure.

Use Magento cart conditions: The profile extends Magento's familiar sales-rule model. Conditions can evaluate the quote address, cart, product combinations, quantities, totals, and attributes that Magento makes available to the rule tree.

Keep websites separate: Every profile belongs to a website. The Admin loads payment methods for the selected website, and checkout ignores assigned profiles from another website. This helps multi-country, multi-brand, and multi-currency installations keep their policies apart.

Resolve overlaps with priority: Profiles accept priorities from 1 to 999. Lower numbers are evaluated first for the primary matching rule, so a narrow exception can sit ahead of a general account policy. Document the order and leave gaps for later additions.

Combine identity and cart context: Customer and group assignments are validated against the current quote. If a rule-based method set and explicitly assigned profiles both apply, the permitted result is narrowed to their common methods. The module avoids turning a broad assignment into an unintended bypass.

Choose the no-match policy deliberately: A store setting controls what happens when no payment profile produces an allowed set. Use it as a business decision: a controlled portal may prefer to deny payment, while a public shop may retain Magento's normal methods. Test both the intended path and the absence of a match.

Work with Magento's payment pipeline: Payment Profiles listens to Magento's payment-method availability decision. It filters methods in storefront, admin-order, REST, and headless checkout contexts that use that pipeline, while respecting the quote identity, store, address, and other modules.

Do not revive an unavailable gateway: A profile can narrow Magento's current choice. It does not make a method available when the gateway, country, currency, order total, configuration, or another legitimate check has already disabled it.

Useful scenarios: Offer invoice only to approved customers, keep new accounts on prepayment, allow purchase order for a dealer group, restrict cash on delivery for selected carts, separate payment choices by website, or provide an account-specific exception.

Clear operational boundary: The extension does not process payments, store card details, add fees, calculate customer credit, inspect overdue invoices, approve purchase orders, or collect debt. Those responsibilities remain with gateways, ERP/finance systems, Adobe Commerce B2B, or dedicated modules.

API boundary: The module contains Magento service-layer repositories and an authenticated Admin endpoint for loading website-specific methods, but it does not publish its own REST, SOAP, or GraphQL contract. Headless compatibility refers to filtering Magento payment availability, not a separate profile-management API.

Best fit: SoftwareSilo Payment Profiles is a focused choice for Magento Open Source and Adobe Commerce projects that need auditable payment-method allow lists by account, group, website, and order context without adopting a full company-credit or purchase-approval suite.

Rule-Based Payment Method Control

Define which payment methods are available based on cart context and customer conditions.

Payment Profiles for Customer Groups

Assign profiles to customer groups and manage payment methods centrally by segment.

Individual Access for Specific Customers

Extend group rules with targeted assignments for individual customer accounts.

Clear Decision Logic with Priorities

Define the order of rule-based profiles. Overlaps with customer or group assignments remain transparent.

Flexible Conditions Without Coding

Create conditions in Magento's rule builder, for example by cart value or product context.

Website-Specific Payment Profiles

Manage different payment methods per website for regional or brand-specific requirements.

  • Current Version1.0.9
  • Compatible with Magento 2.4.6 - 2.4.9
  • Compatible with PHP 8.1 - 8.5

If your environment differs from the listed requirements, we can check compatibility in advance. Please contact us via our contact form.

payment-profile

Version 1.0.9 - 2026-09-02

Fixed
  • Fixed customer assignment changes on existing payment profiles to persist the current grid selection, including clearing all assigned customers
  • Fixed website-dependent payment method loading in the admin payment profile form

Version 1.0.8 - 2026-08-04

Changed
  • Replaced the module information block with the shared Extension Manager extension
Fixed
  • Fixed payment profile enforcement to use the event quote identity and store in storefront, admin order, REST, and headless checkout flows without reactivating payment methods disabled by Magento

Version 1.0.7 - 2026-06-27

Fixed
  • Fixed admin payment profile mass delete to use Magento UI mass-action filtering
  • Fixed admin payment profile delete actions to submit through POST-compatible UI actions
Changed
  • Changed admin payment profile save, delete, and mass delete controllers to declare explicit POST request handling

Version 1.0.6 - 2026-05-01

Fixed
  • Fixed admin payment profile listing fulltext search

Version 1.0.5 - 2026-03-16

Fixed
  • Fixed website-dependent payment method reload to keep only valid saved methods on initial form load

Version 1.0.4 - 2026-03-08

Fixed
  • Fixed no-match payment method availability handling when `disable_no_match` is enabled
  • Fixed explicit payment profile validation to ignore profiles from other websites

Version 1.0.3 - 2026-02-17

Added
  • Added System Configuration module information block
Fixed
  • Replaced usage of `Magento\Payment\Model\Config::getActiveMethods($storeId)` with `Magento\Payment\Api\PaymentMethodListInterface::getActiveList($storeId)` for better Magento 2 compatibility alongside multiple versions

Version 1.0.2 - 2026-01-17

Fixed
  • Fixed PHP 8.4 deprecation: Added explicit nullable types for `$connection` and `$resource` parameters in `Collection::__construct()`

Version 1.0.1 - 2025-11-02

Changed
  • Improved Coding Style / phpDocs

Version 1.0.0 - 2025-10-28

Added
  • Initial version of the Payment Profile module
payment-profile-api

Version 1.0.0 - 2025-11-30

Added
  • Added initial version
Module-Specific Questions
What is a Magento 2 payment restrictions extension?

It controls which installed payment methods Magento may show for a particular checkout. SoftwareSilo uses allow-list profiles assigned to customer groups or individual accounts and refined by website, cart conditions, and priority.

Is Payment Profiles a payment gateway or saved-card extension?

No. It neither processes transactions nor stores cards. The product name refers to profiles of allowed Magento payment methods, not customer payment credentials.

Who is SoftwareSilo Payment Profiles for?

It suits B2B, wholesale, dealer, mixed B2B/B2C, and multi-website stores where invoice, bank transfer, purchase order, card, PayPal, cash on delivery, or other installed methods depend on the buyer and order.

Does Magento Open Source include customer-specific payment profiles?

Magento Open Source includes payment methods and method-level settings, but not a general profile workflow for assigning an approved set to selected customer accounts and groups. SoftwareSilo adds that layer.

Can payment methods be restricted by customer group?

Yes. A profile can be assigned to one or more Magento customer groups, including the guest group when a controlled public policy is required.

Can I assign payment methods to one individual customer?

Yes. The Admin form includes a customer assignment grid so a profile can be attached directly to selected accounts without creating another customer group.

Can one profile apply to several individual customers?

Yes. Multiple customer accounts can be assigned to the same profile, and an account may be covered by both direct and group assignments.

Can Payment Profiles use cart and product conditions?

Yes. Profiles use Magento's sales-rule condition model and can evaluate the quote address, totals, quantities, product combinations, and attributes available in the Magento condition tree.

Can I limit invoice payment by order total?

Yes, when the desired total is available in the condition builder. The profile can allow invoice only when its complete assignment and condition context matches.

Can payment methods differ by product or category?

Yes. Product combination and attribute conditions can narrow a profile. Test configurable, bundle, virtual, and mixed carts with the exact attributes used by the project.

Does each payment profile have website scope?

Yes. Every profile belongs to one Magento website. Its method choices are loaded for that website, and profiles assigned to another website are ignored for the current quote.

Does Payment Profiles support multiple stores and countries?

It supports website-specific profiles. Country and address logic can also come from Magento conditions or the payment method itself. Plan separate profiles when websites have distinct gateway configurations.

How does profile priority work?

Priority accepts values from 1 to 999, with lower numbers evaluated first for the primary matching assigned rule. Use a documented numbering scheme and test overlapping assignments.

What happens if customer and group profiles both apply?

The module validates assigned profiles against the current quote. Where a rule-derived set and explicitly assigned sets both contribute, the result is narrowed to methods allowed by both contexts.

What happens when no payment profile matches?

A store configuration controls the no-match behavior. Depending on that setting, Magento can retain its normal methods or end with no allowed profile methods. Choose and test the policy deliberately.

Can a profile force a disabled gateway to appear?

No. Payment Profiles narrows Magento's available choices. It does not reactivate a method disabled by its gateway, country, currency, total, credentials, configuration, or another valid availability check.

Does it work for guest checkout?

Yes, through the Magento Not Logged In customer group and applicable conditions. Create and test a guest profile if guests should receive a controlled set.

Does it apply to orders created in the Magento Admin?

The module uses Magento's payment-method availability pipeline and has integration coverage for admin-order quote contexts. Custom admin workflows and installed gateways should still be tested in the project.

Does it work with REST and headless checkout?

It filters Magento payment availability in REST and headless contexts that use the standard quote pipeline. The module does not provide a separate public API for creating or managing profiles.

Does Payment Profiles provide REST, SOAP, or GraphQL endpoints?

No public profile-management endpoints are included. The module contains internal repositories and a protected Admin AJAX endpoint for website-specific method options.

Can it add a payment surcharge or fee?

No. It controls availability only and does not change quote or order totals. Use a dedicated payment-fee solution when surcharges are required.

Does it manage company credit or overdue invoices?

No. Credit decisions, limits, open receivables, and collection remain in ERP, accounting, Adobe Commerce B2B, or another dedicated system. Payment Profiles should consume a reliable customer status.

Does it include purchase-order approvals?

No. It can control whether an installed purchase-order payment method is available, but it does not create approval chains. Adobe Commerce B2B provides broader company PO workflows.

How does SoftwareSilo differ from Amasty Payment Restrictions?

SoftwareSilo centers an allowed set assigned to customer groups and individual accounts. Amasty centers blocking rules and publishes schedules, messages, purchase-history checks, and a broader restriction catalog.

How does SoftwareSilo differ from Mageplaza Payment Restrictions?

SoftwareSilo is a focused account-aware allow-list module. Mageplaza publishes broader show/hide rules and offers Payment Suite capabilities such as payment fees. Compare the exact conditions and checkout channels required.

Is SoftwareSilo a replacement for Adobe Commerce B2B payments?

No. It offers focused payment availability rules. Adobe Commerce B2B also includes company accounts, Payment on Account, company credit, permissions, and purchase-order approvals.

How should payment profiles be tested before launch?

Test a matrix of customer, group, website, cart, product, address, total, guest status, admin orders, API carts, and gateway states. Verify the final visible methods, not only the saved Admin configuration.

General Questions
How many Magento installations is the license valid for?

The license is valid for one Magento installation, including multi-website operation. In addition, the module may be installed on any number of development or staging servers. You can find further details in our license terms.

Is installation included in the price?

Installation and configuration are not included in the price. On request, we can support you with a smooth integration into your system.

How do I install a module?

Composer is PHP's package manager, and Magento 2 uses it to install modules and their dependencies. After purchase, the commands for your module are available under Licenses in your customer account. First add the private SoftwareSilo repository and your license token. Then install the listed package with composer require and run php bin/magento setup:upgrade and php bin/magento cache:clean.

What payment methods are available?

You can pay by credit card (Stripe) or bank transfer (prepayment). For credit card payments, the order is processed immediately and the access credentials are provided directly in a separate follow-up email.

What does the order process look like?

After credit card payment, you immediately receive access credentials to obtain the module via Composer. For bank transfer, access is granted once the invoice is paid.

I need a custom modification of the module. Is that possible?

Custom requests are no problem. We tailor our Magento 2 modules to your project and maintain a dedicated internal version so we always know exactly what runs on your system for support.

Can I install a demo version locally?

On each module detail page, you can request your own demo instance and test the module intensively for 7 days. However, we do not provide a local demo version.

Is the source code encrypted?

No, the source code of our modules is not encrypted. If you need a customization, feel free to send us a request. We will get back to you promptly with a non-binding quote.

What is the update policy and support?

You can add a support package to your order. It includes assistance as well as updates and upgrades related to the module. No continuous subscription is required.

I already have a license. How can I perform an update?

You can complete the license update here. If you have an active support package, you receive updates automatically via Composer. If your support package has expired, you can renew your license here or in your account.

I have another question — how can I contact you?

You can reach us anytime via eMail.

Payment Profiles / Payment Restrictions

×

Ideal for these industries & use cases

B2B Payment Terms

Allow invoice or payment-on-account methods only for approved business customers.

Control by Order Value

Limit payment methods above defined cart values, for example disabling cash on delivery for high amounts.

Regional Payment Methods

Provide the right payment methods per website, for example by country or sales region.

Benefits for Loyal and VIP Customers

Enable additional or preferred payment methods for selected customer accounts.

Risk-Oriented Access

Restrict sensitive payment methods for new or not fully verified customers.

Payment by Product Context

Control payment methods based on products or product groups in the cart.

Try before you buy

Request a personal demo and test the module with realistic sample data in Magento Admin and the storefront. Take your time to see whether it fits your requirements and workflows.

Technical documentation

Practical Magento 2 guides, developer documentation, and API references for installation, configuration, and troubleshooting.

Go to Knowledge Base

Do you need a custom solution?

Do your requirements go beyond the capabilities of our Magento 2 modules? We develop suitable Magento 2 modules and integrations for your business processes.

Request now