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Payment Rules

Restrict payment methods for blocked customers​

Where to find it: Admin → Payments → Rules

When you'd use this: When you need to prevent customers with blocked accounts from placing orders, or require them to contact customer service before checking out. Common in B2B when a customer has exceeded credit terms or has an overdue balance.

What you need first:

  • Admin permissions to manage payment rules
  • Payments enabled for your store
  • Customer blocking enabled in your ERP (Business Central, Sage X3, or Sage 300)

Set it up:

  1. Navigate to Admin → Payments → Rules
  2. Create a new rule or edit an existing payment processor rule
  3. Add a filter condition: Customer Blocked equals Blocked
  4. Choose your approach:
    • Block all payment methods: Apply this rule to all payment processors to prevent checkout entirely
    • Block specific methods: Apply to select processors only (e.g., block credit card but allow invoice payment)
  5. Optional: Configure a custom user message explaining the account hold and providing customer service contact information
  6. Save the rule

How it works:

When a customer with a blocked account attempts to checkout:

  • Payment methods matching your rule conditions will not appear at checkout
  • If all payment methods are blocked, the customer cannot complete checkout
  • Any custom message you configured will display to guide them to contact your team

The blocked status syncs from your ERP system's standard customer blocking field, so blocking a customer in Business Central, Sage X3, or Sage 300 automatically applies the rule in CommerceBuild.

Payment rules are cached for performance and automatically refresh in the background. The system reloads rules periodically and whenever you save changes to payment settings, ensuring your exclusions remain active without requiring manual intervention.

Troubleshooting:

  • Blocked customers still see payment options — Verify the rule condition is set to "Customer Blocked equals Blocked" and the rule is applied to the correct payment processors. Check that the customer's blocked status has synced from your ERP.
  • All customers are blocked from checkout — Review your rule conditions to ensure you're filtering on customer blocked status, not applying the block universally. Edit the rule to add the customer blocked condition.
  • Exclusion rules stop applying after a period of time — Navigate to Admin → Payments → Setup and save your payment settings. This immediately reactivates all configured rules. The system caches rules for performance and refreshes them automatically in the background, but if you notice customers seeing payment methods they shouldn't, re-saving payment settings forces an immediate reload.