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Which Shopify app gives a discount by payment method, like prepaid or no COD?
Who this guide is for
This guide is for Shopify merchants who want to pay less in fees or lose fewer parcels, for example 5% off for shoppers who pay online instead of cash on delivery (COD), or free shipping for orders paid by bank transfer.
We compared 6 apps that discount an order by how it is paid. Every competitor fact comes from the app's Shopify App Store listing, checked on November 12, 2026. Prices are per month, in US dollars, and can change. For the click-by-click setup, see how to give a discount by payment method.
Shopstack makes Discount Genie, one of the apps on this list. It is listed first, and every app is described from its own listing.
What Shopify does on its own
A Shopify discount decides who qualifies by customer, customer segment, market, minimum purchase amount or minimum quantity. How the order is paid is not on that list. Each item below links the Shopify page it comes from (checked November 12, 2026).
Shopify can
- Limit a discount to specific customers, customer segments or markets. Source: help.shopify.com
- Require a minimum purchase amount or a minimum quantity of items. Source: help.shopify.com
- Hide, rename or reorder payment methods at checkout through a payment customization app, on the Basic plan or higher. Source: help.shopify.com
Shopify can’t
- Make a discount depend on the payment method. The discount form offers no such condition. Source: help.shopify.com
- Show the payment method to a Discount Function. Its input holds the cart, the buyer and the delivery options, with no payment method field. Source: shopify.dev
- Change a price with a payment customization. It renames, reorders or hides payment methods, sets payment terms and can add a review requirement. Source: shopify.dev
- Let an app hide credit card options on stores outside Shopify Plus in the United States and Canada. Only other payment methods can be changed there. Source: help.shopify.com
To check this in your own admin:
- From your Shopify admin, go to Discounts and click Create discount.
- Pick Amount off orders.
- Look through Eligibility and Minimum purchase requirements. You can pick customers, segments, markets, an amount or a quantity, but no payment method.
A discount code printed on your bank transfer instructions doesn't fix this. Shopify doesn't check how the order is paid, so a shopper who types the code gets the discount with any payment method. You need an app for a payment method discount.
Which app fits your store
These apps differ most in how the shopper gets the discount and what the free plan covers.
- Payment method discounts inside a full discount app: Discount Genie; you can create one on its basic free plan. The same app also runs tiered, volume, BOGO and shipping discounts.
- A discount that follows the method picked at checkout: Scala and Oak Prepaid Discount describe a discount based on the payment method selected at checkout.
- Prepaid versus COD with COD hidden: Discount Genie, CODless and MW: Payment Method Discount hide cash on delivery for shoppers who take the prepaid offer.
- The lowest paid price: Codify Prepaid Plus, at $3.99 a month.
Best for a payment method discount in a full discount app: Discount Genie
Discount Genie (by Shopstack, the team behind this guide) has 5.0 from 50+ reviews on the Shopify App Store. Install it from Discount Genie on the Shopify App Store. It is a Shopify discount app built on Shopify Functions, and its payment method discount rewards the methods you choose (payment method discount docs).
- Includes or Excludes: list the methods that earn the discount, such as bank transfer, or the ones that don't, such as Cash on Delivery (COD).
- Order, product or shipping: take a percentage or a fixed amount off the order, chosen products or shipping, with an optional maximum amount.
- Cart conditions: add a minimum subtotal or other cart conditions, and exclude products from an order discount.
- How the shopper gets it: your button, for example Pay online and save 5%, appears next to the cart's checkout button. A click opens checkout with the discount applied and the left-out methods hidden. A shopper who uses the normal checkout button pays full price and sees every method.
- Hides only: checkout hides the methods your rule leaves out. Discount Genie doesn't rename or reorder them.
- One per store: each store has one payment method discount.
You can create a payment method discount on every plan, including the basic free plan (up to 3 basic discounts), which also includes store pickup discounts. The paid plans are Core $29.99, Growth $59.99, Pro $79.99 and Scale $99.99 a month, with Scale for Shopify Plus stores. The plan offered depends on your Shopify plan, and new stores pay $0.99/mo for the first 3 months on any monthly paid plan.
Best for the method picked at checkout, free: Scala Payment Method Discount
Scala Payment Method Discount by SCALA says it can "Show an automatic payment discount based on what payment method has been selected". Its listing says it was "Tested with 200+ payment methods including bank transfer, cash on delivery, prepaid", Pix and Boleto, and that it "Works with any payment, theme, and Shopify plan". It is rated 5.0 from 87 reviews, per its Shopify App Store listing, checked November 12, 2026.
Its listed price is Free. The listing also lists "Schedule discounts, set cart minimums, limits, discount codes and free shipping", per its Shopify App Store listing, checked November 12, 2026.
Best for automatic and code discounts by method: Oak Prepaid Discount
Oak Prepaid Discount by Sentalis says it will "Auto-apply prepaid discounts based on the selected payment method at checkout", including bank transfer, COD, PayPal and wallets. It is rated 4.5 from 10 reviews, per its Shopify App Store listing, checked November 12, 2026.
Its Free Forever plan is "Only Free For Development Stores". The Starter plan is $6.99 a month with a 7-day free trial and lists "Automatic and code based discounts", "Discount limits by quantity and amount" and "Schedule discounts", per its Shopify App Store listing, checked November 12, 2026.
Best for the lowest paid price: Codify Prepaid Plus
Codify Prepaid Plus by Codify Infotech creates prepaid discounts "to guide customers toward upfront payments instead of cash on delivery". Its listing says you can apply percentage or flat discounts to the order or specific products, "Apply discounts to all or selected payment methods", cap the maximum discount and "Display payment options on the cart". It is rated 5.0 from 6 reviews, per its Shopify App Store listing, checked November 12, 2026.
It has no free plan. The Pro plan is $3.99 a month, or $39 a year, with a 7-day free trial, per its Shopify App Store listing, checked November 12, 2026.
Best for prepaid versus COD in the cart: CODless: Prepaid Discounts
CODless: Prepaid Discounts by Merchly gives "a discount for paying online" and says "Cash on Delivery is hidden for prepaid buyers". The discount can cover the whole order, products or collections, with an optional shipping perk. It is rated 5.0 from 1 review, per its Shopify App Store listing, checked November 12, 2026.
Its Free plan has 1 prepaid discount, "200 discounted orders included" and a "Pay-online button in the cart". Pro is $14.99 a month with a 3-day free trial, no order limit and "Up to 5 prepaid discounts at once", per its Shopify App Store listing, checked November 12, 2026.
Best for hiding COD by keyword: MW: Payment Method Discount
MW: Payment Method Discount by Ecommerce Labs offers "discounts based on payment methods" and can "hide or show specific payment methods using keywords, such as COD". Merchants can create discount codes or automatic discounts. It has no reviews yet and launched on October 17, 2026, per its Shopify App Store listing, checked November 12, 2026.
Its listed price is Free, per its Shopify App Store listing, checked November 12, 2026.
Payment method discount apps side by side
Prices and ratings are from each Shopify App Store listing, checked November 12, 2026, per month in US dollars. Quoted words are each listing's own.
| App | Rating | Free to use | Lowest paid plan | How the shopper gets the discount |
|---|---|---|---|---|
| Discount Genie | 5.0 from 50+ reviews | Yes, basic free plan | Core $29.99, or $0.99/mo for the first 3 months for new stores | Button next to the cart's checkout button; checkout hides the left-out methods |
| Scala Payment Method Discount | 5.0 from 87 reviews | Yes, listed as Free | None listed | "based on what payment method has been selected" |
| Oak Prepaid Discount | 4.5 from 10 reviews | Development stores only | Starter $6.99 | "based on the selected payment method at checkout" |
| Codify Prepaid Plus | 5.0 from 6 reviews | No, 7-day free trial | Pro $3.99 | "Display payment options on the cart" |
| CODless: Prepaid Discounts | 5.0 from 1 review | Yes, 1 discount and 200 discounted orders | Pro $14.99 | "Pay-online button in the cart"; COD hidden for prepaid buyers |
| MW: Payment Method Discount | No reviews yet | Yes, listed as Free | None listed | Discount codes or automatic discounts; hides methods "using keywords, such as COD" |
FAQ
Is there an app that gives a discount for prepaid orders on Shopify?
Yes. Discount Genie, Scala, Oak Prepaid Discount, Codify Prepaid Plus, CODless and MW: Payment Method Discount all discount by payment method. You can create a Discount Genie payment method discount on every plan, including the basic free plan.
How do I give a discount for not choosing cash on delivery?
In a Discount Genie payment method discount, set Condition to Excludes and pick your cash on delivery method. Shoppers who click your button get the discount and don't see COD at checkout. Shoppers who skip it can still pay by COD at full price. See the payment method discount guide.
Can Shopify discount by payment method without an app?
No. Shopify's discount settings check customers, segments, markets and minimums, not the payment method, and a Discount Function can't read the payment method either. A payment customization can hide a method but can't change a price.
Can I give free shipping only to customers who pay by bank transfer?
Yes. In Discount Genie, set Condition to Includes, pick your bank transfer method, choose Shipping as the discount target, and set 100% off.
Can an app hide credit cards for a payment method discount?
Only on Shopify Plus in the United States and Canada. On other plans there, Shopify keeps credit card options visible, so apps can hide only the other methods. A prepaid-versus-COD offer is not affected, because cash on delivery is not a card.