Restrict Methods for High-Value Orders

A subtotal or quantity condition can route a high-value cart to a narrower set of existing payment methods.

Example:

• Priority 10: Wholesale orders at or above the chosen subtotal, allowing bank transfer and card.
• Priority 100: Standard Wholesale orders, allowing the normal Wholesale method set.

Test below, exactly at and above the threshold. The high-value profile must be assigned to the same audience and have the lower priority number so it is checked first.

This is a checkout rule, not fraud detection. Payment Profile does not calculate risk, inspect payment history, count previous orders or change customer status. Use a dedicated risk or ERP system for those decisions, then pass an appropriate customer group or supported condition into Magento if needed.