How to limit Afterpay for certain products?

Payments + Shipping & Fulfilment

Topic summary

Limiting Afterpay (buy-now-pay-later) by product/collection to block items like gift cards or low‑margin products. Shopify staff state this isn’t natively possible because payment gateways apply at checkout, not per product. Gift cards can be sold on the Shopify plan or higher, but Afterpay prohibits purchasing gift cards, creating a conflict.

Community feedback highlights fee concerns (e.g., Sezzle ~6%), desire to show Afterpay only above a price threshold, and frustration over lack of control. One poster claims Shopify Plus supports finer control; this is not confirmed by staff. An Afterpay app exists but was noted as US‑only and not solving per‑product checkout restrictions.

Most recent update: third‑party apps now offer workarounds to hide Afterpay at checkout based on cart contents:

  • Payfy: Conditional Payments – create rules to hide Afterpay when items from specified collections/products are in the cart.
  • PayRules: Hide Payment Methods – similar rule-based removal of Afterpay for selected products/collections.

Outcome/status: No native Shopify setting; workable solutions exist via these apps. Questions about per‑product Afterpay messaging on product pages and region-specific behavior remain open.

Summarized with AI on December 28. AI used: gpt-5.
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I’m new the Shopify world and still yet to go live, but we have a large range of product with little to no margin and offering ZipPay is not an option on these products given the costs of these services. It is difficult for us to compete online if we can’t restrict these products from being purchased via ZipPay or After Pay. However, on the flip side, other products qualify for these buy now pay later solutions and it would be detrimental to remove this payment method completely for the sake of just relatively small range of products.

Would love to know if there is a solution to this issue.