You may want to disable payment gateways depending on the user role or user capability. For example, you may want to disable PayPal for ‘user role: subscriber’ or enable a specific gateway for another user role. This can be achieved without a plugin, all you need to do is paste the following code in your functions.php file.

/**
 * Disable Payment Gateway for a Specific User Role | WooCommerce
 */

add_filter( 'woocommerce_available_payment_gateways', 'payment_gateway_disable_private' );

 function payment_gateway_disable_private( $available_gateways ) {

    $user = wp_get_current_user();

    if ( isset( $available_gateways['cod'] ) && !is_user_logged_in() || isset( $available_gateways['cod'] ) && in_array('subscriber', $user->roles)  ) {
        unset( $available_gateways['cod'] );
    }

   return $available_gateways;

}

So what the above code will do is remove the ‘Cash On Delivery’ option if you are not logged in, or if you are a user with the ‘Subscriber’ role.

How to Find WooCommerce Payment Gateway ID

If you navigate to WooCommerce –> Settings –> Payments tab, if you inspect the element or view source of this page, you will see a list of codes within a table of all the gateways available on your website as shown in the below screenshot:

What if you want to disable payments for multiple user types?

Okay, we have you covered you here as well. Let’s say you want to disable ‘Stripe’ payment gateway for both the Administrator and Subscriber user but no other user…

What we need to use here is the PHP’s Array Intersect.

Again, this code will get added to your functions.php file and will look something like this:

/**
* Disable Payment Gateway for a Specific User Roles | WooCommerce
*/

function ts_disable_stripe( $available_payment_gateways ) {

//Check whether the available payment gateways have the Stripe option and if the user is not logged in or has the role administrator or subscriber
$user = wp_get_current_user();
$allowed_roles = array(‘administrator’, ‘subscriber’);

if ( isset($available_payment_gateways[‘stripe’]) && (array_intersect($allowed_roles, $user->roles ) || !is_user_logged_in()) ) {

//Remove the stripe payment gateway
unset($available_payment_gateways[‘stripe’]);
}

return $available_payment_gateways;
}

add_filter(‘woocommerce_available_payment_gateways’, ‘ts_disable_stripe’, 90, 1);

Now, the $allowed_roles can list an array of all the users you would like to not display a specific payment gateway for.

Is there a Plugin alternative?

If you don’t feel 100% confident with coding there is a plugin available which offers the same capabilities as the non-plugin method.

There is a plugin called ‘WooCommerce Conditional Payment Gateways‘ to be the most complete when you need to enable/disable payment gateways based on certain criteria. You can create unlimited ‘rules’ and use, for example, cart totals, billing country, shipping country, user role and much more to define which payment gateway shows and which not.