In the fast-evolving world of eCommerce, offering partial payment options can significantly enhance customer trust and reduce risks. But what exactly does partial payment mean, and which apps should you consider for your Shopify store?
WHAT IS PARTIAL PAYMENT/COD?
Partial payment in eCommerce means the customer pays a small part of the order amount in advance, and the remaining amount is paid at the time of delivery.
For businesses, this is very helpful because the advance payment shows that the customer is serious about the order. It reduces fake orders and RTO (Return to Origin) losses, especially from high-risk or first-time customers.
For shoppers, it offers flexibility, making it easier to purchase high-value items without the burden of full upfront payment.
Top 5 Partial Payment Apps
1️⃣ Partialy – Flexible Partial Payments & COD Rules
⭐ Rating: 4.5
💰 Pricing: Free plan available
What it does:
Partialy allows customers to pay 20–50% upfront and the remaining amount at delivery or later online.
Key Features:
- Accept partial payments or fixed deposits at checkout
- Collect remaining amount via COD or online payment
- Advanced COD rules based on order value, location, product, or customer
- Custom COD labels and shipping rates
Why it’s different:
Best for merchants who want deep COD customization along with partial payments.
Pricing Highlight:
- ✅ Free Plan: 60 orders/month
- Paid plans start at $10/month with higher order limits
- 0% commission forever
2️⃣ Split2Ship – Partial COD with OTP Verification
⭐ Rating: 4.4
💰 Pricing: Free plan available
What it does:
Split2Ship focuses on smart checkout and reducing fake orders and RTO by taking a partial payment upfront and verifying customers via OTP.
Key Features:
- Accept partial COD (fixed or percentage-based deposit)
- OTP verification to stop fake orders
- Auto-fill customer address using phone number
- Works with any shipping & payment provider
- Shipping partners only see the pending COD amount
Why it’s different:
Strong focus on order verification + RTO reduction, not just payments.
Pricing Highlight:
- ✅ Free Plan:
- 100 OTP credits (India) – sufficient for small businesses
- Unlimited partial COD orders
- Paid plans start at $17.95/month for higher OTP usage
- 0% commission forever
3️⃣ Depo – Deposit & Partial Payment (COD Supported)
⭐ Rating: 4.5
💰 Pricing: Starts at $9/month
What it does:
Depo helps merchants manage deposits, split payments, pre-orders, and draft orders, with the option to auto-charge remaining payments later.
Key Features:
- Take deposits or split payments on product & draft orders
- Auto-charge remaining balance on a scheduled date
- Send automated payment invoices
Why it’s different:
Best for businesses that want automatic balance collection and invoice-based follow-ups.
Pricing Highlight:
- Starter plan at $9/month
- Special pricing for Indian COD merchants
- Small processing fee applies
4️⃣ Downpay – Premium Partial Payment for High-Value Orders
⭐ Rating: 5.0
💰 Pricing: Starts at $29/month (7-day free trial)
What it does:
Downpay is a premium, white-label deposit and layaway solution designed for high-value, custom, or made-to-order products.
Key Features:
- Accept deposits or pay-later options on pre-orders
- Auto-charge cards or send invoices for balance payment
- Shopify Flow, API, Hydrogen support
- Works with all themes and storefronts
Why it’s different:
Best for high-ticket, custom, or global brands needing advanced integrations.
Pricing Highlight:
- No free plan
- Pricing based on order value processed
- Ideal for scaling businesses
5️⃣ SPD Split Payment & Deposit – 4-in-1 Payment Flexibility
⭐ Rating: 4.8
💰 Pricing: $17.95/month
What it does:
SPD offers multiple payment options in one app, including deposits, split payments, installments, and shared payments.
Key Features:
- Split payments using two cards or card + PayPal
- Installment (BNPL-style) payments
- Share payment links with multiple people
- Deposit payments with auto balance collection
- Customizable widgets and buttons
Why it’s different:
Only app that supports shared payments + multiple payment methods.
Pricing Highlight:
- Single unlimited plan
- for stores selling to groups or teams
Partial Payment encourages customers to buy valuable products
One of the most effective ways to encourage customers for buying valuable products is by offering a partial payment option in your store.
If your site has a few expensive products and tends to have higher chances of cart abandonment, you can surely opt for this strategy that would be beneficial for your store.
Conclusion
Choosing the right partial payment app can transform your Shopify store, boost customer confidence and reducing losses. While each app has its strengths, Split2Ship is particularly beneficial for merchants who prioritize reducing RTO and ensuring smooth, secure transactions.