Payment Method Discounts

$29.00

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1 Year

2 Years

Payment Method Discount

Stop handing 3% of every order to a payment processor. Give buyers a reason to choose the payment method that costs you pennies — automatically, at checkout, with no coupon codes.

Features in v6.0.0

Languages Bundled

∞

Rules — No Limit

Negative-Balance Orders

Everything You Need to Steer Buyers Toward Cheaper Payment Methods

Built for J2Commerce 6 on native Joomla MVC — no jQuery, no legacy framework, no surprises.

Unlimited Rule Engine

Create as many rules as you have payment methods. Each rule is fully independent — its own method, amount, user group, and label. No global settings, no conflicts.

J2Commerce 6

Fixed or Percentage — Per Rule

ACH gets a flat $5 off. Bank transfer gets 2% off the subtotal. Crypto gets 5% off the order total. Each rule picks its own type and calculation base independently.

UPGRADED

Access-Level Customer Gating

Target each rule to specific Joomla view levels. B2B wholesale discounts stay invisible to retail shoppers. VIP perks only fire for VIP members. Your segmentation, enforced automatically.

J2Commerce 6

Live Checkout Detection

Discount updates the moment a buyer switches payment methods. Session fallback ensures the right discount fires even before the order is finalized. Real-time visibility that changes behavior.

J2Commerce 6

Custom Discount Label

"ACH Saver," "Bank Transfer Bonus," "BLIK Reward" — each rule gets its own cart line-item label. Brand the perk. Make it feel like a privilege, not a footnote.

UPGRADED

Overshoot Guard

Hard cap: the discount is always capped at the order total. A misconfigured $50 rule on a $2 order will not produce a negative balance. Ever.

J2Commerce 6

Dynamic Payment Plugin Picker

Admin dropdown auto-populates from your installed, enabled payment plugins — with human-readable names resolved from each plugin's language file. Add a new payment gateway, it appears automatically.

J2Commerce 6

Auto-Migration from J2Store

Upgrading from J2Store v4? The installer migrates your legacy payment discount configuration automatically. Your rules carry over — no manual re-entry.

J2Commerce 6

Debug Mode Logger

Toggle debug mode and every discount calculation cycle logs to a dedicated file: payment method detected, rule matched, user group check result, discount amount applied. No more guessing why a discount isn't firing.

J2Commerce 6

One Plugin. Every Payment Method. Every Customer Tier.

The old approach was one global discount rule — one setting for all payment methods, applied to everyone equally. That blunt instrument is gone.

J2Commerce 6 gives you a repeatable subform where each row is an independent rule. Bank transfer rule for your B2B Wholesale access level. Crypto rule for Public. BLIK rule for registered European shoppers. All in one plugin, all running simultaneously, each completely independent.

Add, remove, or reorder rules without touching code
Each rule has its own method, type, amount, user group, and label
Zero-value rules are silently skipped — no error, no accidental $0 discount

J2Commerce 6

B2B Perks That Stay Invisible to Retail

Your wholesale customers deserve different treatment than a first-time retail buyer. The access-level gate in each rule enforces that separation automatically.

Using Joomla's native view levels, you target each discount rule to exactly the customer segments who should see it. Public, Registered, Special, or any custom level you've defined in your Joomla user management. No extra ACL plugin. No custom code. Just a multi-select field in the plugin admin.

Uses Joomla's native getAuthorisedViewLevels() — no third-party dependency
Multi-select: a single rule can target multiple access levels simultaneously
Rule with empty access levels is safely skipped — no accidental public exposure

Real-World Use Cases

A US industrial parts distributor runs wholesale accounts averaging $4,000 per order. They accept card (2.9% + $0.30) and ACH bank transfer (flat $1.00/transaction). Currently, 70% of their B2B buyers pay via corporate card — because no one ever gave them a reason not to.

They install Payment Method Discount and configure a single rule: ACH bank transfer, 2% off, "Wholesale" access level only, discount base = order subtotal, label = "ACH Payment Savings."

On a $4,000 order, the buyer sees $80 off for choosing ACH. The merchant pays $1.00 instead of $116.30. Net improvement: $115.30 per order. At 50 wholesale orders per month where buyers switch to ACH, that's $5,765 in saved fees per month — from one plugin configuration. Retail customers see nothing. The access-level gate keeps the B2B discount invisible to public shoppers.

A Polish home goods store already accepts cards via Stripe and supports BLIK via a local payment plugin. BLIK costs the merchant a fraction of card processing. They want to nudge buyers toward it — without explaining payment fees to their customers, because that's awkward.

They set up a flat €3 discount for BLIK (access level: Public, so everyone qualifies). Label: "BLIK Szybki Przelew -3 zł." The discount appears automatically when BLIK is selected at checkout.

Conversion to BLIK increases. Processor fees drop. The €3 cost per conversion is recovered immediately since BLIK fees are well under €0.30. The Polish-language pack is already installed — no translation work, no extra cost.

A gaming accessories store has installed a USDC/crypto payment plugin. Card processing costs them 2.8% + $0.30 per transaction. Crypto settlement costs near-zero in merchant fees.

They configure a 5% discount for the crypto payment method, access level Public, discount base = order total, label = "Crypto Checkout Discount."

On a $120 order, the buyer sees $6 off for paying in USDC. The merchant's cost: $0 in fees instead of $3.66. Yes, the discount exceeds the saved fee — but the buyer just saved $6 and is telling their community. Customer acquisition via the discount covers the delta. The overshoot guard ensures that on a $5 test order, the 5% discount is capped at $5.00, not -$0.something.

A photography gear rental site has a VIP membership tier (custom Joomla access level "VIP Member"). VIP members deserve perks. The problem: standalone loyalty plugins cost extra and require their own admin UI, their own setup, their own support tickets.

Instead, they add one rule to Payment Method Discount: bank transfer, 1.5% off, "VIP Member" access level only, label = "VIP Bank Transfer Reward." Non-VIP buyers checking out via bank transfer see no discount. VIP members see "VIP Bank Transfer Reward — 1.5% off" appear automatically.

No coupon code. No email required. No extra plugin. The loyalty perk is wired directly into checkout using a Joomla access level that already exists. The customer feels seen. The merchant saves on fees. The developer bills zero extra hours.

Translated In The Following Languages

Arabic Unitag (ar-AA), Chinese, Traditional (zh-TW), Danish (da-DK), Dutch (nl-NL), English (en-GB), English, USA (en-US), Finnish (fi-FI), French (fr-FR), German (de-DE), Greek (el-GR), Hebrew (he-IL), Italian (it-IT), Japanese (ja-JP), Norwegian Bokmål (nb-NO), Persian Farsi (fa-IR), Polish (pl-PL), Portuguese, Brazil (pt-BR), Portuguese, Portugal (pt-PT), Russian (ru-RU), Spanish (es-ES), Swedish (sv-SE), Turkish (tr-TR)

License Information

An active license entitles you to updates, downloads, and support for the duration of the license period. You may continue using this plugin indefinitely without an active license; however, support, updates, and downloads will not be available while your license is inactive.