Who Sees a Payment Rule

Every rule can be limited so it only appears to the right shoppers. All conditions below are in the (Advanced) sections of the Add Payment Rule (or edit) form. A rule appears only when all the conditions you set are satisfied. Leave a section on its default and it does nothing.

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RTO Engine (risk check)

RTO means return to origin: a parcel refused at the door. The RTO Engine hides a rule from shoppers who look risky, so you can keep Cash on Delivery for trusted buyers and offer risky ones only prepaid or deposit options. Tick Enable RTO risk check (paid plans). Two settings appear: How the score is worked out. The score combines the shopper’s own COD and RTO history with the history of their delivery pincode. A new customer in a clean pincode scores low. The score is calculated after OTP verification, just before the payment options appear. If scoring is slow or unavailable, the rule stays visible and no order is lost.

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Cart Range

Show the rule only when the cart value is inside a range. Set Min cart range and Max cart range, for example 500 and 5,000. Leave both empty to apply at every cart value.

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Cart Items

Show the rule only when the number of items in the cart is within a range (Min cart items, Max cart items). Leave both blank for any number.

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Product filter

Choose which products the rule applies to. When you choose Selected products only or Exclude selected products, a Select products button appears. Click it to open the Shopify product picker, search by name, tick the products and click Select.

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Variant filter

Works like the product filter, but on variants such as size, colour or material. It works alongside the product filter and both must be satisfied. For example, allow the deposit option only on Large t-shirts.

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Collection filter

Same idea, scoped to Shopify collections such as “Winter collection” or “Clearance”. The rule applies only when the cart’s products belong to the collections you choose (or, with exclude, none of them do).

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Match any product in cart

By default every product in the cart has to meet your include conditions. Tick Show this rule if any product in the cart matches to relax that: one qualifying product is enough to show the rule for the whole cart. This applies to product, variant and collection include conditions only. Exclude conditions are not affected: an excluded product still hides the rule.

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Zipcode restrictions (hide)

Hide the rule for deliveries to certain postcodes, for example areas with a history of returns. Tick Enable zipcode restrictions, then enter zipcodes in Zipcodes to hide this rule. Accepted formats:

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Phone and email restrictions

Hide the rule for specific people. The phone and email used are the ones the shopper enters for OTP or in their address.

• Phone numbers to hide this rule: separate with commas or new lines. Spaces, dashes, + and the country code are ignored, so +91 98765 43210 matches 9876543210.
• Emails to hide this rule: separate with commas or new lines. Matching ignores upper and lower case.

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Zipcode includes (show only)

The opposite of zipcode restrictions: tick Enable zipcode includes and the rule appears only for the zipcodes you list in Zipcodes to include for this rule. Use it to offer COD only in cities you deliver to reliably. The same formats and the same address-collection requirement apply.

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Quick reference