Partial.ly lets merchants offer payment plans, layaway, deposits, and invoicing. Pricing starts at 2% per transaction with no monthly fee. Read the review.
Researched and fact-checked by Bartu Cavusoglu · Updated October 26, 2026
Partial.ly is payment plan software for merchants that want to give customers more time to pay while keeping control of terms, cash flow, and brand experience. Operated by Partially Inc, it covers installments, deposits, modern layaway, pre-orders, invoicing, and scheduled collections. The company reports more than $325M in processed payments across 33K+ merchant accounts and 1.5M+ customers.
Partial.ly is not a consumer lender and does not purchase a merchant's receivables. The merchant defines the offer and stays responsible for the sale and the customer relationship. The company states that it runs no credit checks and approves every customer, which it contrasts with buy now, pay later providers where a lender owns the customer.
Everything starts with an Offer, a reusable payment plan template. The merchant sets the down payment, the frequency (weekly, biweekly, or monthly), and the duration, and can allow flexible terms so customers pick within defined ranges. Merchants can create as many offers as needed for different products, services, or customer segments and edit them from the dashboard.
Customers reach an offer through a hosted checkout, a payment link, or options embedded in an existing store. After a customer accepts a schedule, Partial.ly automates collection, reminders, receipts, failed-payment retries, and plan management. Stripe handles core payment processing, so merchants connect a Stripe account to go live, which the site says can take as little as 10 minutes.
The platform groups its tools by payment scenario. Modern Layaway lets customers pay over time while the merchant ships after the final payment. Smart Deposits collect a deposit and automate the rest with dynamic final payment dates. The Pre-Order Engine funds production before inventory arrives, and In-House Financing lets merchants act as their own lender for high-ticket services. Invoicing and Collections handles B2B reminders and workflows.
Merchant Controls cover retries, email notifications, custom contract terms, and branding. A white-label option removes Partial.ly branding entirely. Customers can pay with methods supported by Stripe in 135+ currencies, and crypto such as Solana and USDC is accepted. Developers get a REST API, webhooks, a sandbox, and authenticated MCP tools for custom workflows.
Partial.ly is payment plan software from Partially Inc. It lets merchants offer installments, deposits, modern layaway, pre-orders, and invoicing, then automates collection, reminders, and retries.
The Standard plan has no setup fees or monthly fees and charges 2% per successful transaction for domestic cards. A Custom plan offers volume discounts and tailored solutions, with pricing arranged through a demo call.
The site invites merchants to start for free and says there are no monthly fees, no approval process, and no contracts. Merchants pay the per-transaction fee when they get paid. No separate free tier is described.
According to the company's website, there are no credit checks and approval is 100%. The merchant defines the offer, and Partial.ly is not a consumer lender.
It requires Stripe for payment processing and connects with Shopify, WooCommerce, BigCommerce, Magento, QuickBooks, FreshBooks, Zapier, n8n, NexHealth, and others. It also offers a REST API and webhooks.
It suits merchants with high-ticket products, deposit-based bookings, pre-orders, or service packages. The site names medical, fitness, travel, events, retail, education, coaching, and home services.
The company's comparison table says the merchant, not a lender, owns the customer, with automated default management and lower margin impact. It also states there are no credit checks, while BNPL providers vary on approval.
The site lists AES-256 bank-level encryption, Level 1 PCI compliance, and EU SCA compatibility. The pricing page also mentions SOC 2 certification and built-in fraud prevention.