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I want to restrict COD based on country we select under billing address in checkout page

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Here's how to allow the COD payment method for only specified countries:

  1. Go to system -> configuration -> Payment Methods
  2. Expand the section "Cash on Delivery Payment
  3. Change "Payment from Applicable Countries" to "Specific countries."
  4. In the Payment from Specific Countries list, select only the countries where you want Cash on Delivery to appear. (Tip: hold down the CMD key to select multiple countries.)
  5. Save the configuration.

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