Dynamically Determining Available Payment Methods in Hyvä Checkout

Some Payment Service Providers (PSPs) let you determine available payment methods dynamically - for example, based on the PSP configuration, the customer's country of origin, or purchase history. Instead of showing a static list, the checkout makes an API request to the PSP before rendering payment options, and the response controls which methods the customer actually sees.

Filtering Payment Methods with an After-Plugin

In Hyvä Checkout, the way to dynamically filter payment methods is with an after-plugin on \Magento\Quote\Api\PaymentMethodManagementInterface::getList(). This method returns all available payment methods for the current quote. Your after-plugin intercepts that return value and removes any methods that shouldn't be available to the customer.

This approach gives you full control: you can call the PSP API inside the plugin logic, then filter the method list based on the API response.

Registering the Payment Method Filter Plugin

To register the after-plugin, add it to etc/frontend/di.xml in your module. The plugin intercepts PaymentMethodManagementInterface::getList() and lets you filter the returned payment methods.

app/code/Example/PaymentProvider/etc/frontend/di.xml

<?xml version="1.0"?>
<config xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:noNamespaceSchemaLocation="urn:magento:framework:ObjectManager/etc/config.xsd">
    <!-- Plugin to dynamically filter available payment methods via PSP API -->
    <type name="Magento\Quote\Api\PaymentMethodManagementInterface">
        <plugin name="example_payment_method"
                type="Example\PaymentProvider\Plugin\AvailableMethodsFilterPlugin"/>
    </type>
</config>

Declare the plugin in frontend scope only

Make sure you place this plugin declaration in etc/frontend/di.xml, not in the global or adminhtml scope. The payment method filtering should only apply to the storefront checkout, not to admin order creation or other areas.