Shopify Plus × Payment Method Rules
Hide payment methods at Shopify Plus checkout with margin-aware rules. Disable Amex or BNPL when their fees push an order below your profit floor, in under 10ms.
Not every payment method costs the same to accept. A domestic Visa charge runs about 2.9% + $0.30, but Amex lands closer to 3.5%, and BNPL providers like Klarna, Afterpay, and Affirm routinely cost 4.4-6% all-in. On a healthy 35% margin order, that spread is noise. On a deeply discounted order, or one carrying a high-cost shipping zone and risen COGS, the payment fee is the difference between a profitable order and a loss. The standard Shopify Plus toolkit lets you hide or reorder payment methods, but only on static cart conditions: cart total, customer tag, shipping country. None of those rules know your margin. So merchants either accept every method on every order and quietly eat the fee differential on thin-margin carts, or they hard-disable Amex and BNPL store-wide and lose the conversion lift those methods deliver on healthy orders where the fee is perfectly affordable. Generic payment-rule apps make this worse by dressing up the same static logic: 'hide Amex over $500' is still margin-blind. It hides Amex on a high-margin $600 order while happily accepting it on a $90 order that is already underwater.
Agentis drives Shopify Plus payment method rules off live margin, not static cart conditions. At checkout, the Payment Customization Function asks the Agentis margin engine a single question per order: with this payment method's real fee applied, does the order still clear the profit floor? The fee is the actual rate for the method the customer is reaching for (Amex vs Visa vs a specific BNPL provider), and the margin already reflects live COGS, landed cost, freight, and FX. If accepting Amex on this exact cart pushes it below the floor, Agentis hides Amex for that order only. The same shopper on a healthy-margin cart sees every method. You can also disable BNPL on already-discounted SKUs, or reorder methods to surface the cheapest-to-accept option first when margin is tight. The rule is conditional on profitability, evaluated per order, so you keep the conversion upside of premium payment methods on the orders that can afford them and only restrict them on the orders that cannot.
Agentis enforces payment method rules through the Shopify Plus Payment Customization Function (part of Checkout Extensibility), the same mechanism Shopify exposes for hiding, renaming, and reordering payment options. The difference is the input: instead of evaluating static cart conditions, the Function resolves the order's true margin from the Agentis pre-cached cost model (COGS synced from your ERP, landed cost, estimated freight, and FX) and overlays the real per-method processing fee sourced from your Stripe fee schedule (Amex vs Visa differentials, BNPL surcharges, international card rates). For each candidate payment method, Agentis recomputes net margin with that method's fee applied; any method that would drop the order below the configured profit floor is hidden or moved down the list via the Function's hide and reorder operations. Like all Agentis checkout logic, the evaluation runs server-side on Shopify's edge in under 10ms with no external API call in the request path, and every hide/reorder decision is logged with the cart, the offending method, and the margin delta that triggered it.
Generic apps hide or reorder payment methods on static conditions: cart total, customer tag, shipping country. They have no concept of cost, so 'hide Amex over $500' fires on a high-margin order while accepting Amex on a thin-margin one. Agentis makes the rule margin-aware: it hides a method only when that method's real fee would push the specific order below your profit floor, so the decision tracks profitability rather than a proxy like cart total.
Far less than a store-wide block. Because the rule is evaluated per order, premium methods stay visible on every order that can absorb their fee, which is the majority. Agentis only restricts them on the subset of orders where the fee actually breaks the floor (deep discounts, high-cost zones, risen COGS). You keep the conversion upside of Amex and BNPL where it is affordable and shed only the loss-making orders.
From your actual Stripe fee schedule via the Agentis Stripe integration, not a flat estimate. Agentis reads the real rate per method (Amex vs domestic Visa, plus provider-specific BNPL surcharges for Klarna, Afterpay, and Affirm) and any negotiated pricing on your account, then applies the correct fee for whichever method the customer is reaching for when it evaluates the margin.
Yes. The Payment Customization Function supports hide, rename, and reorder operations, and Agentis can use any of them. A common setup is to leave all methods visible but push the cheapest-to-accept option to the top when an order's margin is tight, nudging shoppers toward the lower-fee method without removing choice. You configure per rule whether a floor breach triggers a hide or a reorder.
Feature
Shopify Plus edge pricing with profit floor enforcement: sub-10ms margin evaluation on every checkout via Shopify Functions. No theme changes, no latency impact.
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Shopify Scripts alternative for Shopify Plus: Agentis powers Shopify Functions migration with built-in profit governance and margin enforcement at checkout.
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