---
title: How to Restrict Payment Methods by Postcode or ZIP Code in WooCommerce
description: "Include or exclude postcodes per payment gateway with exact values, wildcards like CB23* and numeric ranges like 90210...99000."
url: "https://wpfactory.com/docs/payments-by-location-postcode/"
updated: "2026-10-05"
category: How to
---

# How to Restrict Payment Methods by Postcode or ZIP Code in WooCommerce

To restrict payment methods by postcode or ZIP code in WooCommerce, use [Conditional Payment Methods by Location for WooCommerce](https://wpfactory.com/item/payment-gateways-by-customer-location-for-woocommerce/): go to **WPFactory > Payment Gateways by Customer Location > Postcodes**, enter postcodes, wildcards or ranges in **Include postcodes** or **Exclude postcodes** for each gateway and save.

Examples: allow Cash on delivery only in your local delivery area, or hide a gateway for remote postcodes where you cannot collect payment on delivery.

## Before you start

- Payment Methods by Location installed and active.
- Postcode rules read the postcode from the classic checkout form. Use the classic checkout (the `[woocommerce_checkout]` shortcode) for postcode rules, see [troubleshooting](https://wpfactory.com/docs/payments-by-location-troubleshooting/) for the block checkout.

## Restrict payment methods by postcode

1. Go to **WPFactory > Payment Gateways by Customer Location** (also reachable at **WooCommerce > Settings > Payment Gateways by Customer Location**) and open **General**.
2. Set **Detect postcode by** to **Billing postcode** (default) or **Shipping postcode**, and save.
3. Open the **Postcodes** section and make sure **Gateways by postcode: Enable section** is ticked.
4. For each gateway, enter one postcode, wildcard or range per line in **Include postcodes** (gateway shows ONLY there) or **Exclude postcodes** (gateway is hidden there).
5. Click **Save changes**.

![Postcodes section showing a wildcard and a numeric range in Include postcodes for Cash on delivery](https://wpfactory.com/wp-content/uploads/payments-by-location-postcode-1.png)

## Postcode formats

| Format | Example | Matches |
| --- | --- | --- |
| Exact postcode | `10115` | That postcode only. |
| Wildcard | `CB23*` | Every postcode starting with CB23. |
| Numeric range | `90210...99000` | Every numeric postcode from 90210 to 99000, inclusive. Use three dots, and numbers only. |

Matching ignores letter case, but spaces count: `SW1A 1AA` and `SW1A1AA` are different values. Enter postcodes in the format your customers use, or add both forms. A wildcard such as `SW1A*` covers both.

## FAQ

### Can I use ranges for UK or Canadian postcodes?

Ranges are for fully numeric postcodes. For alphanumeric postcodes, use wildcards, for example `M5V*`.

### What postcode is used before the customer types one?

Your store's postcode from **WooCommerce > Settings > General**. Once the customer enters a postcode and the checkout refreshes, their postcode is used.

### The payment methods do not update while the customer types the postcode.

Add **Billing postcode** or **Shipping postcode** under **General > Advanced Options > Force JavaScript checkout update**.

### Get Payment Methods by Location

All location rules in this guide work with any payment gateway, including third-party and custom gateways. [See Conditional Payment Methods by Location for WooCommerce](https://wpfactory.com/item/payment-gateways-by-customer-location-for-woocommerce/).

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

Related articles

- [How to Restrict Payment Methods by City in WooCommerce](https://wpfactory.com/docs/payments-by-location-city/)
- [How to Restrict Payment Methods by State in WooCommerce](https://wpfactory.com/docs/payments-by-location-state/)
- [How to Show or Hide Payment Methods by Customer Country in WooCommerce](https://wpfactory.com/docs/payments-by-location-country/)
- [Payment Methods by Location Developer Hooks](https://wpfactory.com/docs/payments-by-location-developer-hooks/)
- [Payment Methods by Location Settings Reference](https://wpfactory.com/docs/payments-by-location-settings-reference/)