When WooCommerce shows no payment methods available, the checkout can look almost complete while the customer has no safe way to pay. The cart exists, shipping may be selected, and the form may validate, but the payment step disappears.
The useful diagnosis is not only whether a card, wallet or bank gateway is enabled. Payment methods can disappear because of shipping zones, currency restrictions, country rules, Checkout Blocks incompatibility, cache, Store API failures, plugin conflicts or a gateway script that fails after validation refreshes the form.
Evidence should answer the operational questions:
- Which payment methods were expected for this checkout context? - Did the methods disappear before or after shipping, coupon or country recalculation? - Is the Store API or `update_order_review` response missing gateway data? - Does the same journey fail for every buyer context or only one segment? - Is the customer blocked before payment, or redirected into a retry loop?
CashFlowCanary treats missing payment methods as a conversion incident when a controlled journey reaches checkout but cannot expose an expected way to pay. The proof stays filtered and avoids customer identity, payment data and cart contents. Start with features, compare plans, or request a free audit.
This guide complements WooCommerce payment failed, WooCommerce checkout validation error, WooCommerce checkout redirects to cart and WooCommerce checkout stuck. Together they separate unavailable payment methods from gateway refusals, validation, redirect loops and frozen checkout.