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Payment method rules | Stripe Documentation
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Beyond payments

Payment method rules

Control when payment methods are available to your buyers.

Payment method rules allow you to set conditions on payment methods directly from the Dashboard without any custom logic or code. Rules allow you to:

  • Hide or show a payment method if the order amount is over or under a certain amount
  • Hide or show a payment method for buyers in certain countries or using certain currencies

Payment method rules considerations

Non-card payment methods can help offer improved unit economics compared to cards and they often drive higher AOV and conversion rates.

When you turn on these payment methods, you might want to apply specific business logic to control when payment methods are available to your buyers. With payment method rules, you can apply these insights directly in Dashboard—no code required.

Payment method rules are compatible with Stripe A/B Testing. This allows you to run A/B tests using the targeting criteria you select or test additional criteria. For example, you can test the impact of only showing a specific payment method when the price is greater than a certain dollar amount.

Note

Payment method rules won’t apply when a Payment Element, Checkout, or Payment Links integration creates a subscription. For more information about subscriptions and invoices, see How subscriptions work.

Before you begin

Set rule conditions

  1. In your Dashboard, go to Payment methods settings.
  2. For a supported payment method (such as Klarna), click the overflow menu () and select Customize availability.
  3. Set custom rules (for example, a new minimum of 100 USD for Klarna), then select Apply Overrides. The configured payment method now has a Customized tag. A customized payment method appears only in Checkout or Payment Element sessions that meet its targeting criteria.

Note

In your Dashboard, you configure transaction limits in a single currency. When evaluating these limits in a transaction that uses a different currency, Stripe automatically calculates the equivalent limits using the current exchange rate.

A checkout page showing Klarna.

Before

A checkout page with Klarna hidden.

After

Testing

To test location-based payment method rules for Checkout and Payment Links, pass in a location-formatted customer email that includes a suffix in a +location_XX format in the local part of the email. XX must be a valid two-letter ISO country code.

For example, to test location-based rules for a customer in France, pass in an email like test+location_FR@example.com.

When you visit the URL for a Checkout Session or Payment Link created with a location-formatted email, you see the same available payment methods as a customer does in the specified country.

Testing Checkout

When you create a Checkout Session, pass the location-formatted email as customer_email to simulate Checkout from a particular country.

Command Line
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curl https://api.stripe.com/v1/checkout/sessions \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d "line_items[0][price]"="{{PRICE_ID}}" \
  -d "line_items[0][quantity]"=1 \
  -d mode=payment \
  -d success_url="https://example.com/success" \
  --data-urlencode customer_email="test+location_FR@example.com"

You can also create a Customer and specify their email that contains the +location_XX suffix. Stripe test cards work as usual.

Testing Payment Links

For Payment Links, pass the location-formatted email as either the prefilled_email or locked_prefilled_email URL parameter to test payment method rules for customers in different countries.

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