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How to Customize Payment Gateway Based Fees and Discounts for WooCommerce with AI – Complete Guide

Jeff Joyce
Sunday, 19th Oct 2025

Ever wished you could tweak your WooCommerce store’s payment gateway fees and discounts just a little bit more? Maybe offer a special discount only for customers using a specific payment method during a certain promotion? While the default settings get you part of the way there, truly tailoring the experience often requires going beyond the basics. This article will show you how to unlock the full potential of Payment Gateway Based Fees and Discounts for WooCommerce, and more importantly, how to do it with the help of AI, making customization surprisingly accessible.

What is Payment Gateway Based Fees and Discounts for WooCommerce?

Payment Gateway Based Fees and Discounts for WooCommerce is a WordPress plugin designed to give you granular control over how fees and discounts are applied based on the payment gateway a customer selects at checkout. Essentially, it lets you incentivize the use of specific payment methods or offset processing fees. This is valuable for a variety of reasons. The plugin allows you to offer discounts for using payment methods with lower transaction fees, add surcharges for those with higher fees, or even run targeted promotions tied to specific payment options.

Key features of this tool include the ability to set percentage-based or fixed fees and discounts, apply them to specific products or categories, and configure rules based on cart subtotal or user role. It’s a powerful way to manage your store’s profitability and customer experience. With a rating of 4.7/5 stars based on 56 reviews and over 30,000 active installations, it’s a proven solution for WooCommerce store owners looking to optimize their payment gateway strategy.

For more information about the plugin, visit the official plugin page on WordPress.org.

Why Customize it?

While the default settings of the plugin are useful, they often don’t perfectly match the unique needs of every WooCommerce store. You might find yourself needing to implement complex scenarios that the standard configuration simply doesn’t cover. This is where customization comes in. The default setup is a great starting point, but it can’t anticipate every business model or marketing strategy.

Customizing the plugin allows you to create highly targeted promotions, optimize for profitability, and provide a more personalized shopping experience. Imagine, for example, you want to offer a special discount for local customers paying with a regional payment gateway. Or perhaps you want to waive transaction fees for loyal customers with a specific user role. These are the kinds of scenarios where customization shines.

Think of a real-world example: A handmade goods store might want to encourage the use of a specific payment gateway to avoid high fees, which would allow them to offer lower prices overall. Another store might customize the checkout flow to automatically offer a “preferred payment method” option based on the customer’s location. Ultimately, if you find yourself needing more control and flexibility than the default settings provide, customization is definitely worth considering.

Common Customization Scenarios

Customizing Checkout Flow and Fields

The default WooCommerce checkout flow is pretty standard, but sometimes you need more. Maybe you need to add a custom field to collect additional information based on the selected payment gateway, or alter the order of fields for a smoother user experience. The problem is that standard WooCommerce can be limiting.

Through customization, you can achieve a tailored checkout process that collects exactly the data you need and presents it in a way that maximizes conversions. Imagine adding a “Payment Notes” field that only appears when a customer selects a specific gateway, allowing them to provide additional information required for that particular method.

Consider a subscription box service. They might need to collect different billing information depending on whether a customer chooses to pay with a credit card or PayPal. By customizing the checkout flow, they can dynamically display the relevant fields, simplifying the process for the customer. AI can make this easier by generating the necessary code snippets to manipulate the checkout fields based on payment gateway selection.

Adding Custom Product Types

WooCommerce handles simple, variable, and grouped products well. But what if you sell something more unique, like a time-based service or a bundled package with specific payment restrictions? The standard product types often don’t cut it.

Customization allows you to define entirely new product types and integrate them seamlessly with the plugin. This means you can create custom pricing rules, inventory management, and even payment gateway restrictions specific to these new product types. Think of a “Donation” product type that only accepts specific payment gateways, or a “Membership” product that offers discounts based on the payment method used.

A local farm might offer CSA (Community Supported Agriculture) boxes. They could create a custom “CSA Subscription” product type and restrict payment to local bank transfers or checks to encourage community engagement and reduce transaction fees. AI can help generate the code needed to integrate this custom product type with the plugin, ensuring fees and discounts are applied correctly based on the chosen payment method.

Integrating with Third-Party Payment Gateways

WooCommerce supports many popular payment gateways out of the box. However, your business might require a less common or region-specific payment gateway that isn’t directly supported. This can lead to complex integration challenges.

Through customization, you can seamlessly integrate unsupported payment gateways and extend the plugin’s functionality to include them. This opens up new markets and caters to customers who prefer specific payment methods. This means you can add fees and discounts just as easily as you could with the default supported payment gateways. Imagine integrating a local mobile payment system popular in Southeast Asia and offering exclusive discounts for its users.

A travel agency catering to international customers might need to integrate with multiple regional payment gateways. Customization allows them to handle these integrations effectively and apply appropriate fees or discounts based on the customer’s location and preferred payment method. AI can streamline the process of connecting the plugin with these custom payment gateways, generating the necessary code and ensuring compatibility.

Creating Custom Email Templates

WooCommerce’s default email templates are functional, but they lack personalization. You might want to include specific details about the payment gateway used, the fees applied, or even offer targeted promotions based on the selected payment method. The problem? The standard email templates are fairly generic.

Customization allows you to create entirely new email templates that are tailored to the payment gateway used and the customer’s specific order. This enhances the customer experience and reinforces your brand. Imagine sending a confirmation email that clearly outlines any fees or discounts applied based on the payment gateway used, or offering a special discount on their next purchase if they use the same method again.

An online electronics store might want to send a different order confirmation email to customers who pay with a credit card versus those who use PayPal, highlighting the benefits of each payment method. AI can assist in generating these custom email templates, dynamically populating them with information relevant to the chosen payment gateway and order details.

Building Advanced Product Filters

Standard WooCommerce product filters are good for basic categorization, but they don’t allow filtering based on payment gateway compatibility. You might want to allow customers to filter products based on which payment methods are accepted for each item. This is crucial for certain products or regulatory requirements.

Through customization, you can add payment gateway compatibility as a filterable attribute, allowing customers to quickly find products that can be purchased with their preferred payment method. This improves the shopping experience and reduces frustration. Imagine allowing customers to filter products by “Accepts PayPal” or “Accepts Crypto Payments.”

A CBD oil retailer might need to clearly indicate which products can be purchased with specific payment gateways due to regulatory restrictions. Customizing the product filters allows them to provide this information upfront, ensuring a smooth and compliant shopping experience. AI can generate the necessary code to integrate payment gateway compatibility into the product filters, making it easy for customers to find the products they need.

How Codeforce Makes the plugin Customization Easy

Traditionally, customizing WooCommerce plugins like this one involved a steep learning curve. You needed to understand PHP, WordPress hooks, and the plugin’s internal code structure. This often meant hiring a developer, which could be expensive and time-consuming. Even for those with some coding experience, debugging and maintaining custom code could be a headache.

Codeforce eliminates these barriers by providing an AI-powered platform that simplifies the customization process. Instead of writing complex code, you can simply describe what you want to achieve using natural language. For example, you could say, “Add a 2% discount for customers paying with Bitcoin,” and Codeforce will generate the necessary code to implement that customization within the plugin.

The AI assistance provided by Codeforce understands the nuances of the plugin and WooCommerce, ensuring that the generated code is compatible and efficient. It takes care of the technical details, allowing you to focus on the strategic aspects of your store. Furthermore, Codeforce offers testing capabilities, allowing you to preview and validate your customizations before deploying them to your live store.

This democratization means better customization for everyone. Marketing experts or ecommerce managers who understand the strategic goals of the plugin can implement their vision without needing to become coding experts. This empowers businesses to adapt quickly to changing market conditions and customer preferences, leading to a more competitive and profitable online store.

Best Practices for it Customization

Before diving into customization, always back up your website. This ensures that you can quickly restore your store if anything goes wrong during the process. It’s a simple precaution that can save you a lot of trouble.

Test your customizations thoroughly in a staging environment before deploying them to your live site. This allows you to identify and fix any issues without affecting your customers’ experience. Use real-world scenarios to ensure everything works as expected.

Document your customizations clearly and concisely. This will help you (or another developer) understand what you’ve done and why, making it easier to maintain and update the code in the future. Include comments in the code itself and create a separate document outlining the changes.

Monitor the performance of your customizations after deployment. Keep an eye on your store’s speed, conversion rates, and error logs to identify any potential issues. Address any problems promptly to minimize the impact on your customers.

Stay updated with the plugin’s updates. When the plugin is updated, review your customizations to ensure they are still compatible. This will help prevent unexpected errors and ensure that your store continues to function smoothly. The developers often provide update logs of changes that you can reference as a starting point.

Be mindful of security considerations when adding custom code. Ensure that your code is properly sanitized and validated to prevent vulnerabilities. Follow secure coding practices to protect your store and your customers’ data.

Consider using a child theme for your customizations. This will prevent your changes from being overwritten when you update your theme. It’s a best practice for WordPress development that ensures your customizations are preserved.

Frequently Asked Questions

Will custom code break when the plugin updates?

It’s possible. Plugin updates may change the underlying code structure, potentially affecting your customizations. Always test your custom code after updating the plugin to ensure compatibility.

Can I customize the plugin without any coding knowledge?

Tools like Codeforce are designed to make customization accessible without requiring extensive coding knowledge. However, a basic understanding of WordPress and WooCommerce is still beneficial.

Is it possible to offer different discounts based on the customer’s location and chosen payment gateway?

Yes, with customization, you can create highly specific rules based on a variety of factors, including customer location, payment gateway, product category, and user role.

How do I ensure that my customizations are secure?

Follow secure coding practices, sanitize your code inputs and outputs, and keep your WordPress installation and plugins up to date. Regularly review your code for potential vulnerabilities.

Can I use the plugin to add a surcharge for certain payment gateways instead of a discount?

Yes, the plugin allows you to add either fees or discounts based on the chosen payment gateway. You can configure the rules to add a surcharge for payment methods with higher transaction fees.

Unleash the Power of Payment Customization

By customizing the functionality of the plugin, you can transform it from a general-purpose tool into a finely tuned system that perfectly matches your business needs. It’s about going beyond the standard features and creating a truly unique and optimized shopping experience for your customers.

The ability to tailor fees and discounts based on payment gateways opens up a world of possibilities. From incentivizing the use of specific payment methods to creating targeted promotions, the potential benefits are significant. By customizing this tool, you gain greater control over your store’s profitability, enhance the customer experience, and stay ahead of the competition.

With Codeforce, these customizations are no longer reserved for businesses with dedicated development teams. The power of AI puts customization within reach of anyone, regardless of their technical skills. It’s about focusing on the strategy and letting the AI handle the technical execution.

Ready to revolutionize your store? Try Codeforce for free and start customizing it today. Increase conversions and optimize your revenue strategy!



Written by Jeff Joyce

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