Partial.ly
Installment payment and buy now pay later (BNPL) software
Payment processing software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
Free Trial
Free version unavailable
Small
Medium
Large
- Professional services (engineering, legal, consulting, etc.)
- Real estate and property management
- Education and training
What is Partial.ly
Partial.ly is an installment payment platform that lets merchants offer payment plans and accept recurring payments for invoices or e-commerce orders. It is used by small and mid-sized businesses that want to provide pay-over-time options without building a lending workflow. The product focuses on creating payment plans, automating scheduled charges, and managing customer repayment status, typically alongside an existing payment gateway or processor.
Merchant-managed payment plans
Partial.ly supports creating custom installment schedules (e.g., down payment plus recurring charges) that the merchant controls. This fits use cases such as high-ticket e-commerce, services, and invoice-based billing where plan terms vary by customer. It can reduce manual follow-up by automating scheduled payments and tracking plan status.
Integrates with existing payments
The platform is commonly deployed as a layer on top of existing card processing rather than replacing a merchant’s entire payments stack. This can simplify adoption for businesses that already use a payment processor and want to add installments. It also helps keep settlement and reconciliation closer to the merchant’s existing workflows.
Operational tools for collections
Partial.ly provides administrative tooling to monitor active plans, payment attempts, and customer balances. These controls support basic dunning/collections workflows such as retrying failed payments and communicating payment status. For many SMBs, this is a practical alternative to building custom installment management in-house.
Not a full BNPL lender
Partial.ly is primarily a payment-plan management solution rather than a consumer lending product with underwriting and guaranteed merchant payout. Merchants may carry more repayment risk compared with BNPL models that assume credit risk and pay merchants upfront. This can be a limitation for businesses that need risk transfer and immediate settlement.
Processor dependence and constraints
Because it typically works alongside third-party payment processors, capabilities and fees can depend on the underlying gateway/processor configuration. Payment method coverage and regional availability may be constrained by the connected processor. This can be limiting for merchants seeking broad local payment methods or a single end-to-end provider.
Limited enterprise payment breadth
Compared with broader payment platforms, Partial.ly is more specialized around installment plans and may not cover advanced needs such as multi-entity treasury, complex global acquiring, or extensive alternative payment methods. Larger organizations may require additional systems for fraud tooling, reconciliation, and reporting. This can increase integration and operational overhead at scale.
Plan & Pricing
Pricing model: Pay-as-you-go (transaction fee) with optional subscription and one-time integration fee Free tier/trial: Advanced Scripting: 30-day free trial; no permanent free plan identified on official site Example costs:
- Transaction fee (Standard): 2% per successful transaction.
- Advanced Scripting (optional): $10 / month after a 30-day free trial.
- Shopify integration initial setup fee: $100 USD (one-time, non-refundable) for initial setup of 1 offer. Custom / Enterprise: Contact sales for custom pricing (lower transaction fees, dedicated support, white-label, custom integrations). Notes: Requires a Stripe account (Stripe processing fees apply in addition to Partial.ly fees).
