Payment method rules

How it works

A rule belongs to one payment method in one customer group. It has 2 parts:

• When: the conditions the order must meet, such as an order sub-total of at least £500. A rule with no conditions applies to every order.
• Then: the outcome. Apply a discount, Apply a surcharge or Hide this payment method.

An order must meet every condition on a rule for it to apply. Every rule that applies is used, so a method can have a discount and a surcharge at the same time. There's no priority to set: SparkLayer always works them out in the same order.

A worked example

A customer pays by card for £1,000 (net) of products, with a 10% off coupon. Card at checkout has 2 rules:

• Rule 1: a 5% discount, with no conditions.
• Rule 2: a 2% surcharge, when the order sub-total is at least £500.

Rule 2's minimum is checked against £900.00: the sub-total after the coupon, before the payment rule discount. See Which sub-total conditions use.

Add a rule

1. Go to SparkLayer Wholesale,Customers,Customer groups (in your Shopify admin)In your Shopify adminOpen SparkLayer Wholesale under Sales channels, then Customers › Customer groups. and click the group's name. To add rules for every group, click Edit on the base customer group.
2. If Payment methods is under Inherited rules, click + Override next to it (on the base group, + Customize).
3. Under a ticked payment method, click Add rule.
4. Under When, tick the conditions the order must meet and fill them in. To apply the rule to every order, leave them all unticked.
5. Under Then, choose Apply a discount, Apply a surcharge or Hide this payment method.
6. For a discount or surcharge, choose Percentage or Fixed amount, and enter the amount.
7. Click Update customer group.

Conditions

The minimum is included and the maximum isn't: with a Maximum of £100, the rule applies to orders up to £99.99. Amounts exclude tax.

Which sub-total conditions use

Order sub-total is checked against the net sub-total after your normal discounts and before any payment rule discount. This is the same for every rule, whatever its outcome.

For example, a group has a 10% payment rule discount and a surcharge for orders of at least £950. On a £1,000 order, the surcharge still applies, because £1,000 meets the minimum. It's then worked out on £900, the sub-total after the discount.

Outcomes

Fixed amounts and money conditions are in the group's currency, and aren't converted: 5 means £5 in a GBP cart and €5 in a EUR cart.

When several rules apply

• Hide wins. If a hide rule matches, the method is hidden and its discount and surcharge rules don't apply.
• Discounts all come off the same amount. A 10% and a 20% payment rule discount on a £900 sub-total take £90 and £180 off, £270 in all, in any order.
• Surcharges add up, and each percentage is worked out on the same amount. A 2% and a 3% surcharge on £855 add £42.75. A fixed surcharge is added as it is.
• Surcharges count towards shipping. Shipping is worked out after the surcharge, so a surcharge can move an order into a different shipping rate based on order total, such as free shipping over £1,000.
• Payment rule discounts aren't limited by compatibility. They apply alongside any other discount, whatever its Can be used with setting.

What customers see at checkout

On Review & Pay in My Cart:

• Each payment method shows its discounts and surcharges, such as -5% or +£5.00, so customers can compare before they choose.
• The totals list each payment rule discount, such as "Card payment discount (5%)", and a Surcharge line, excluding tax.
• A hidden method isn't shown. If it was selected, the first method still shown in Payment methods, in order is selected instead.

Rules apply from Review & Pay, not earlier in the cart. To explain a surcharge or discount to your customers, add a message for the payment method.

What the order looks like in Shopify

In Shopify, the order shows:

• A surcharge as a line item named Surcharge, with a quantity of 1. Its tax is in the order's tax, as at checkout.
• A payment rule discount as lower line item prices, the same as other SparkLayer discounts. It's listed in the order's B2B Discount Data with its other discounts. See See discount details on an order.

Change the text customers see

Change these in Translation overrides: see Change checkout text. {amount} is the rule's amount, such as 5% or £10.00.

View discounts opens the list of discounts when a payment rule discount applies and your store has no coupon codes. The amounts shown next to each payment method, and the Surcharge line item name in Shopify, can't be changed.

translations: {
  en: {
    "cart.checkout.discount.payment-rule.upfrontPayment": "Card payment discount ({amount})",
    "global.totals.surcharge": "Card fee",
  }
},

<!-- SparkLayer Core Script: in your theme, just before </head>.
     Already have window.sparkOptions? Add just the setting to it. -->
<script>
  window.sparkOptions = {
    translations: {
      en: {
        "cart.checkout.discount.payment-rule.upfrontPayment": "Card payment discount ({amount})",
        "global.totals.surcharge": "Card fee",
      }
    },
  };
</script>

Limits

Limit	Value
Rules per payment method	5
Filters in a Products condition	25
Payment methods	Pay by invoice, Payment on account and Card at checkout
Plan	Growth or above
Core Script	4.13.0 or later. Check Version for this store at SparkLayer Wholesale,Storefront,Widgets,Core script version (in your Shopify admin)In your Shopify adminOpen SparkLayer Wholesale under Sales channels, then Storefront › Widgets › Core script version.
Price list	The customer group, or a group it inherits from, needs a price list, which sets the currency of its rules
Quotes	Rules don't apply to quotes, from the Quoting Engine or the retired Request for Quote

FAQs