Shop Pay Installments shows up in checkout and on product pages the moment it's eligible, and merchants want it gone for two different reasons: entirely, or only for wholesale buyers and large orders. The first is a toggle. The second is a small Shopify Functions build. Here are both.
Go to Settings > Payments, open Manage on Shopify Payments, find Shop Pay Installments, and turn it off. That removes the installments option from checkout and the "4 interest-free payments" messaging from product pages for every customer. Like wallet toggles, it's store-wide — there is no setting that keeps installments for some buyers and not others.
The requests that come up in practice are conditional: hide installments for B2B accounts buying at wholesale terms, and for orders over a threshold (commonly $2,000–$5,000). On Shopify Plus, a payment customization Function makes that decision inside checkout. Its input query reads the two facts the rule needs:
query Input {
cart {
cost { totalAmount { amount } }
buyerIdentity {
customer {
hasTags(tags: ["b2b"]) { hasTag tag }
}
}
}
paymentMethods { id name }
}The Function returns a hide operation for the installments payment method when the customer carries the b2b tag or the total crosses the threshold. Registration is one mutation:
mutation CreateInstallmentsRule($paymentCustomization: PaymentCustomizationInput!) {
paymentCustomizationCreate(paymentCustomization: $paymentCustomization) {
paymentCustomization { id enabled title }
userErrors { field message }
}
}The logic runs server-side in Shopify's checkout — no script injection, nothing for a theme update to break.
The rule is only as reliable as the b2b tag. A Shopify Flow rule applies it on signup — matching however wholesale accounts identify themselves (company ID, note field, B2B portal) — so no one has to remember to tag an account before the checkout rule works.
A buyer who saw installments messaging on the product page and no installments at checkout files a support ticket. A one-line checkout or cart notice — "Installment options are not available for wholesale orders" / "…for orders over $5,000" — closes the gap before it opens.
Everything above generalizes: hiding a manual Net 30 payment method from unapproved buyers, suppressing a gateway on pre-orders, reordering payment options by customer segment. One Function API, different input queries and rules.
Email Tom the rule — who sees what, at which order values — and whether you're on Plus. Functions builds like this are small and well-bounded.
Email Tom →