How do I give a discount for paying with a certain payment method on Shopify?

What Shopify does on its own

A Shopify discount decides who qualifies by customer, customer segment, market, minimum purchase amount or minimum quantity (Shopify's amount off discount help page, checked November 11, 2026). How the order is paid is not on that list.

Payment methods have their own setting: a payment customization. A payment customization app can hide, rename or reorder the payment methods at checkout, but it can't change a price (Shopify help).

To see it in your own admin:

1. From your Shopify admin, go to Discounts and click Create discount.
2. Pick Amount off orders.
3. Read the form's options for who qualifies: customers, customer segments, markets, a minimum purchase amount or a minimum quantity. None of them is a payment method.

Where native Shopify stops

The discount is worked out from the cart, and the payment step comes later. Shopify's Discount Function API, checked November 11, 2026, lists cart lines, cart attributes, the buyer and delivery groups as its input, and no payment method (Discount Function API reference). So no native discount and no Function discount can read "this order is paid by bank transfer".

A discount code printed on your bank transfer instructions doesn't fix it either. Shopify doesn't check how the order was paid, so a shopper who types the code gets the discount with any payment method.

An app needs two parts to make the offer stick:

• A signal before checkout. The shopper says how they will pay, and the app writes that onto the cart, where a Discount Function can read it.
• A payment customization. At checkout it hides the payment methods outside the offer, so the discounted order is paid the way you chose.

Set up a payment method discount with Discount Genie

Discount Genie is a Shopify discount app by Shopstack, built on Shopify Functions. Its payment method discount uses the two parts above. It is on every plan, including the basic free plan. Full field list: Payment method discount docs.

1. In Shopify admin, open Discount Genie and create a payment method discount. The page is titled Create payment method discount.
2. In Target payment methods, set Condition to Includes or Excludes, then pick methods under Payment methods. Includes lists the methods that earn the discount. Excludes lists the methods that don't, such as cash on delivery.
3. In Discount target and values, pick Order, Product or Shipping, then Percentage or Fixed amount. Shipping also offers Custom rate. You can set a maximum amount to discount.
4. Optional: add cart conditions, such as a minimum subtotal. On an order discount you can also exclude products.
5. In Customize store experience, write the Button label, for example Pay by bank transfer and save 5%.
6. Click Save. If the page shows Please activate the app in your theme, click Go to theme editor and turn on the Payment Method Discount app embed.
7. Test: add items to a cart, click your button, and check the discount line and the payment methods at checkout.

What the shopper sees: when the cart meets your conditions, your button appears next to the cart's checkout button. Clicking it marks the cart and opens checkout. The discount applies there, and checkout hides the payment methods your rule leaves out. A shopper who clicks the normal checkout button pays full price and sees every payment method.

Setups to copy

Each setup uses only the settings named above.

• Prepaid only, no cash on delivery. Condition Excludes, method Cash on Delivery (COD), Order, 5% off. Shoppers who click the button get 5% off and no COD option. Everyone else can still pick COD at full price.
• Bank transfer discount. Condition Includes, your bank transfer or bank deposit method, Order, 3% off. Checkout shows only the methods you listed to shoppers who take the offer.
• Free shipping for prepaid orders. Condition Excludes, Cash on Delivery (COD), Shipping, 100% off. Add a cart condition such as a minimum subtotal if you want a floor.

Use the exact method names your checkout shows. The picker lists the methods your store offers.

Limits to plan around

• The shopper has to take the offer. Without a click on your button, the cart has no signal and no payment method discount applies.
• One payment method discount per store. Discount Genie opens the existing one when you try to create a second.
• Credit cards in the US and Canada. Outside Shopify Plus, Shopify keeps credit card options visible (Shopify help). A prepaid-versus-COD offer is not affected, because cash on delivery is not a card.
• Other discounts. Shopify's combination rules still decide what stacks. See Combine and stack discounts.

Shopify vs Discount Genie for payment method discounts

Related

• Payment method discount (Discount Genie docs)
• Conditional discounts on Shopify
• Combine and stack discounts on Shopify
• Shopify Functions discounts explained
• Move from Shopify Scripts to Functions
• Free shipping over a set amount on Shopify