Restrict which payment methods are available at checkout based on customer tags, using Shopify's native payment customization functions.
Locksmith's payment customization feature lets you hide specific payment methods from customers who don't have a designated tag. For example, you could hide a "Net 30 / Invoice" payment option from regular customers, while making it available only to customers tagged as wholesale.
How it works
Locksmith maintains a Shopify Function running natively in Shopify's checkout. When a customer reaches checkout, Shopify evaluates their tags against your configured rules and removes any payment methods they don't have access to — before the page renders. The customer never sees the hidden options.
Prerequisites
Locksmith installed on your Shopify store
Customers tagged appropriately in Shopify (e.g. wholesale, vip, net30)
The payment method names you want to restrict, as they appear at checkout
Step 1: Open Locksmith Settings
Navigate to your Locksmith app and click Settings in the navigation.
Scroll down to the Shopify Functions section, where you'll find the Payment Customization card.
Step 2: Enable the feature and grant permissions
Check Enable this payment customization.
Since this feature requires an additional Shopify permission (write_payment_customizations), Locksmith will need to request it. Click Save and then approve the permission request that follows. You'll be redirected back to Locksmith once access is granted.
Once access is approved, return to Settings → Shopify Functions to configure your rules.
Step 3: Configure your rules
Each rule hides one payment method from customers who don't have at least one of the specified tags.
Click Add payment method
Enter the payment method name as it appears at checkout (e.g. Cash on Delivery (COD), Bank Deposit, Net 30)
Enter one or more customer tags (comma-separated) — customers with at least one of these tags will see the payment method; everyone else won't
Repeat for additional payment methods (up to 3 rules)
Payment method names are matched against what Shopify displays at checkout. If you're not sure of the name, check your Shopify Settings → Payments page.
Case-insensitive matching is enabled by default, so Bank Deposit and bank deposit are treated the same. You can turn this off if needed.
Step 4: Save
Click Save. Locksmith will create the payment customization in Shopify immediately. You can verify it was created by checking Settings → Payments → Payment customizations in your Shopify admin.
What customers experience
Customers with the required tag: see the payment method at checkout as normal
Customers without the required tag: the payment method doesn't appear — no error, no explanation, it's simply not offered
This works at the checkout level, so it applies regardless of how a customer reaches checkout.
