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.
2

Hi Andy,

Nick here from Shopify.

This is a really good question, but it’s not something which would be possible. The reason being is because the payment gateways apply to the checkout and not products themselves. I think your best chance for a workaround with this would be a split payment app. You can see some of the most popular split payment apps below:

I know this isn’t an exact solution but due to how the system is built it’s just not possible to do this natively. Hopefully, you can find a way within the split payment apps for it to work.

Don’t hesitate to ask should you have any other questions.

All the best, Nick