---
title: How to Restrict Payment Methods by User Role, User or IP Address in WooCommerce
description: Offer or hide payment gateways for specific user roles, user IDs, guests or IP addresses and CIDR ranges.
url: "https://wpfactory.com/docs/conditional-payments-user-role/"
updated: "2026-09-27"
category: How to
---

# How to Restrict Payment Methods by User Role, User or IP Address in WooCommerce

To restrict payment methods by user role in WooCommerce, use [Conditional Payment Methods for WooCommerce](https://wpfactory.com/item/conditional-payment-gateways-for-woocommerce/): go to **WPFactory > Conditional Payment Gateways > User Role**, enable **Require User Role** or **Exclude User Role**, select roles for each gateway and save. The **User** and **Customer IP** sections work the same way for user IDs and IP addresses.

Common uses: offer invoice or bank transfer payment to wholesale customers only, hide Cash on delivery from guests, allow a test gateway only for your own account, or block a gateway for IP ranges you have had fraud from.

## Before you start

- Conditional Payment Methods installed and active.
- Free version: these rules work for Direct bank transfer, Check payments, Cash on delivery and PayPal Standard. Other gateways need Pro.

## Restrict payment methods by user role

1. Go to **WPFactory > Conditional Payment Gateways** (also reachable at **WooCommerce > Settings > Conditional Payment Gateways**) and open the **User Role** section.
2. To offer a gateway only to certain roles, tick **Enable section** under **Require User Role** and select the roles next to that gateway, for example a wholesale role next to Direct bank transfer.
3. To hide a gateway from certain roles, tick **Enable section** under **Exclude User Role** and select those roles next to the gateway.
4. Optionally edit the **Additional notice**. The default reads `"%gateway_title%" is not available for the current user.`
5. Click **Save changes**.

![User Role section with Require User Role enabled and a role selected for Direct bank transfer](https://wpfactory.com/wp-content/uploads/conditional-payments-user-role-1.png)

The role list comes from your site, so custom roles added by other plugins appear too. A user with several roles matches if any one of their roles is selected. Guests have no role, so they never match a Require User Role rule.

## Restrict payment methods for specific users or guests

1. Open the **User** section.
2. Enable **Require User** or **Exclude User**.
3. Next to the gateway, enter user IDs, one per line, for example `100` and `101`. Use `0` for guests (visitors who are not logged in).
4. Click **Save changes**.

Example: to hide Cash on delivery from guests, enable **Exclude User** and enter `0` next to Cash on delivery.

## Restrict payment methods by IP address

1. Open the **Customer IP** section.
2. Enable **Require Customer IP** or **Exclude Customer IP**.
3. Next to the gateway, enter IP addresses, one per line. CIDR ranges such as `10.0.0.0/8` are accepted.
4. Click **Save changes**.

The IP address is read through WooCommerce, which also checks common proxy headers. Behind a CDN or proxy that hides the real visitor IP, the rule sees the proxy address instead.

## FAQ

### Where do I find a user's ID?

Go to **Users** in the WordPress admin and open the user. The ID is shown in the address bar as `user_id=`.

### Can I combine a role rule with a cart total rule?

Yes. Every enabled condition must pass, so a gateway can be limited to wholesale customers and to orders above a minimum at the same time. See [hide a payment method based on cart total](https://wpfactory.com/docs/conditional-payments-cart-total/).

### Can I show a different notice per language?

Yes. Notices accept shortcodes, so you can use `[alg_wc_cpg_translate]` with WPML or Polylang. See the [shortcodes and developer reference](https://wpfactory.com/docs/conditional-payments-developer-reference/).

### Get more control

Role, user and IP rules are free for the four built-in WooCommerce gateways. [Conditional Payment Methods for WooCommerce](https://wpfactory.com/item/conditional-payment-gateways-for-woocommerce/) Pro applies them to any payment gateway. [See what Pro unlocks](https://wpfactory.com/item/conditional-payment-gateways-for-woocommerce/).

Need a hand? Our team answers every ticket on the [Conditional Payment Methods support forum](https://wpfactory.com/support/item/conditional-payment-gateways-for-woocommerce/).

Related articles

- [How to Restrict Payment Methods by Currency or Language in WooCommerce](https://wpfactory.com/docs/conditional-payments-currency-language/)
- [How to Enable Payment Methods by Date and Time in WooCommerce](https://wpfactory.com/docs/conditional-payments-date-time/)
- [How to Hide Payment Methods by Product, Category or Tag in WooCommerce](https://wpfactory.com/docs/conditional-payments-by-product/)
- [How to Show Payment Methods by Country in WooCommerce](https://wpfactory.com/docs/conditional-payments-by-country/)
- [Troubleshooting Conditional Payment Methods](https://wpfactory.com/docs/conditional-payments-troubleshooting/)