Shopify Split Payments 2025: Boost Conversions Way Faster

Have you ever lost a sale because a customer couldn’t pay in full? Shopify split payments offer a solution, letting buyers divide their purchases into smaller amounts. More flexibility means fewer abandoned carts and higher conversions.

Imagine a shopper eager to buy but short on funds. With split payments, they can complete the order now and settle the rest later. Are you curious about how to split payment on Shopify? Let’s explore Shopify split payments and how they can transform sales!

Understanding Split Payments on Shopify

Shopify split payments allow customers to divide their total cost into smaller amounts, making purchases easier to afford. This feature increases sales by offering flexible payment options.

Shoppers can complete transactions using multiple payment methods, such as a mix of cash and credit cards or an installment plan. Retail stores benefit the most from this, as it reduces cart abandonment and encourages more customers to finalize their orders.

Example of Split Payments on Shopify:

A customer purchasing a $1,500 custom-made sofa may choose to pay $500 upfront and cover the remaining $1,000 later. Shopify records the order as "Partially Paid." Once the due amount is settled, the order status updates to "Paid." This process makes transactions more manageable for both customers and merchants.

Why Implement a Shopify Split Payment Option on Your Store?

High prices often lead to abandoned carts, but flexible payment options can change that. Can you split payments on Shopify? Absolutely! Split payments make purchases easier for customers while boosting sales for merchants.

#1. Increasing Conversion Rates

Allowing customers to pay in smaller portions can lead to higher conversions. Many shoppers abandon their carts due to financial concerns. With split payments, they can complete their purchases without the burden of paying in full upfront. This strategy helps businesses secure sales that might have otherwise been lost.

#2. Improving Customer Flexibility

Split payments let shoppers divide their costs into smaller amounts, making expensive products easier to afford. This payment option ensures buyers can shop without financial strain. When customers have control over how they pay, their shopping experience improves. Satisfied shoppers are more likely to return and recommend the store to others.

#3. Building Customer Loyalty & Satisfaction

Customers value businesses that offer convenient payment methods. When shoppers have the option to split payments, they feel supported in their financial choices. This convenience fosters trust and encourages repeat purchases. A satisfied customer base translates to long-term success for any business.

#4. Gaining a Competitive Edge in the Market

In a crowded marketplace, businesses must stand out. Offering multiple payment solutions appeals to a wider audience and attracts more buyers. Consumers are more likely to choose a store that offers flexible payment options over one that does not. Shopify merchants who adapt to evolving shopping trends gain an advantage.

#5. Maximizing Cash Flow for Merchants

A steady cash flow is essential for business growth. Split payments ensure sellers receive a portion of the payment immediately, reducing financial gaps. This allows merchants to manage operations smoothly while maintaining consistent revenue. By giving customers more ways to pay, businesses can increase sales while maintaining stability.

Pros and Cons of Shopify Split Payments

Shopify split payments online offer flexibility but come with challenges. Understanding the benefits and drawbacks helps businesses decide if this option fits their store.

Pros of Shopify Split Payments:

• Boosts sales by reducing payment obstacles

• Offers more flexibility for customers

• Lowers cart abandonment rates

• Secures deposits before order fulfillment

• Improves cash flow for merchants

• Makes expensive products easier to afford

• Increases customer satisfaction and repeat purchases

• Helps with inventory planning through upfront payments

• Allows customized payment schedules

• Expands available payment method options

Cons of Shopify Split Payments:

• Requires more effort to track orders manually

• Increases the chance of late payments

• May cause fulfillment delays if payments are incomplete

How to set up Shopify Split Payment for Your Store?

Enabling split payments on Shopify allows customers to pay in parts, making purchases more affordable. There are multiple ways to set up this feature, depending on business needs.

#1. Via Draft Orders

Draft orders allow merchants to set up partial payments manually. This method is ideal for businesses handling customized or high-ticket items.

Step 1: Navigate to Orders, select Draft, and then click Create order in the Shopify admin.

Step 2: Add the items to the order and enter the customer’s details.

Step 3: Click Send Invoice and specify the initial payment amount.

Step 4: Send the invoice to the customer’s email.

Step 5: After the customer pays, update the order status to "Partially Paid."

Step 6: After the final payment, update the order status to Paid and fulfill it.

#2. Via Third-Party Apps

Shopify apps offer automated split payment solutions. These tools allow merchants to set flexible payment plans with ease.

Step 1: Open the Shopify App Store and enter "partial payments" or "installment plans" in the search bar.

Step 2: Choose a preferred app like SPD Split Payment & Deposit or WOD: PreOrder Now and follow the setup instructions.

Step 3: Access the app’s dashboard to configure split payment Shopify settings.

Step 4: Set deposit amounts, installment terms, and accepted payment methods.

Step 5: Enable partial payments and notify customers of their options at checkout.

Tips:

• Clearly explain the payment terms to customers.

• Track payments to avoid errors.

• Send automated reminders for upcoming installments.

#3. Manual Split Payments

Manually splitting payments works well for in-store transactions or custom payment arrangements.

Step 1: Open Orders in Shopify and select the order requiring a split payment.

Step 2: Select Collect payment to access payment options.

Step 3: In the section "Amount", choose Percentage or Fixed Amount and enter the partial payment the customer will pay.

Step 4: Select the preferred payment method, such as manual transfer or a credit card.

Step 5: Click Record Payment for manual transactions or Charge for card payments.

Step 6: If a balance remains, mark the order status as Partially Paid until full payment is received.

How to Charge the Remaining Amount on a Split Payment Order?

Processing the remaining balance on a partially paid order ensures smooth transactions. Follow these steps to complete the payment and finalize the order.

Step 1: Open the Orders section > Drafts > select the order labeled Partially Paid.

Step 2: Click Collect Payment to proceed with collecting the remaining amount.

Step 3: Tap Collect Payment to continue the process.

Step 4: Choose the customer’s preferred payment method.Enter the amount to be charged, then click Accept or Charge. Adjust the amount if necessary.

Step 5: Once the balance is fully paid, click Done to finalize the order.

Important: If an item from a partially paid order is refunded or exchanged, excess payments cannot be transferred to another order.

Top 5 Apps for Shopify Split Payments

Shopify has several apps that help businesses set up flexible payment options. Here are the top five apps for handling partial payments.

#1. Shop Pay Installments

Shop Pay Installments is a built-in feature of Shopify's fast checkout system. It is available only for stores that use Shopify Payments. This option allows customers to break payments into smaller interest-free amounts. It works seamlessly with Shopify, making it a great choice for merchants looking for a native solution.

Main Features:

• Only available with Shopify Payments.

• Interest-free installments for purchases between $50 and $999.99.

• Faster checkout experience for returning customers.

• Supports both online and in-store transactions.

Pricing:

• Basic: $19 per month

• Shopify: $49 per month

• Advanced: $299 per month

• Plus: $2,300 per month

#2. Doran Back in Stock | Preorder

Doran Back in Stock | Preorder is ideal for businesses looking to increase revenue through pre-orders and restock notifications. It helps merchants notify customers when out-of-stock products return and offers early access to new items. With automated alerts and promotional campaigns, it ensures buyers stay engaged.

Main Features:

• Send stock alerts with custom discount offers.

• Allow pre-orders with deposits or full upfront payments.

• Promote upcoming items with "Coming Soon" campaigns.

• Receive daily stock level updates to manage inventory efficiently.

• Fully customizable emails and app interface.

Pricing: Free plan available

Rating: ⭐⭐⭐⭐⭐ (5.0/5)

#3. Charge Me Later

Charge Me Later provides customers with flexible payment options by allowing them to pay immediately or at a later date. It automates invoicing and enables merchants to set different prices for wholesale buyers. This is ideal for businesses that sell to both retail and bulk customers.

Main Features:

• Customers can choose to pay now or defer payments.

• Automatic invoice generation with custom due dates.

• Special pricing options for different customer groups.

• Bulk import and export of customized pricing.

• Discounts for customers who choose immediate payments.

Pricing:

• Basic: $9.99 per month

• PLUS: $19.99 per month

• GOLD: $29.99 per month

Rating: ⭐⭐⭐⭐⭐ (4.9/5)

#4. SPD Split Payment & Deposit

SPD Split Payment & Deposit makes transactions more flexible by offering multiple payment methods and installment plans. Customers can share payments, use various payment options, or make a deposit and pay the rest later. This tool is helpful for stores selling high-ticket items.

Main Features:

• Accepts split and partial payments.

• Supports multiple payment methods.

• Enables group payments where customers split the cost.

• Allows installment-based purchases.

• Automatically processes deposit payments.

Pricing: Unlimited Plan: $17.95 per month

Rating: ⭐⭐⭐⭐⭐ (4.7/5)

#5. Deposit & Partial Payment Depo

Deposit & Partial Payment Depo simplifies split payments for pre-orders, deposits, and installment plans. It is useful for businesses that sell made-to-order products or services requiring partial payments. The app also automates invoicing and payment tracking.

Main Features:

• Breaks total purchase amounts into several payments.

• Secures pre-orders with deposits.

• Allows partial upfront payments with the remaining balance due later.

• Handles draft order deposits directly in the Shopify admin.

• Automatically charges the remaining balance when due.

• Sends invoices straight from the Depo dashboard.

Pricing:

• Free trial available

• Paid plans: $1- $75 per month

Rating: ⭐⭐⭐⭐⭐ (4.6/5)

What to Consider Before Implementing Shopify Split Payments for Your Store?

Adding split partial payments Shopify to a Shopify store requires careful planning. Before enabling this feature, consider these key factors:

Assess Your Business Needs

Identify the most suitable split payment options for your business. Some stores may benefit from installment plans, while others need deposit-based payments. Consider factors like order size, customer demand, and payment flexibility. Analyze how split payments will impact cash flow and order fulfillment. A well-structured approach ensures seamless integration.

Look Into Custom Solutions

If existing apps do not fully meet your needs, a custom solution might be necessary. Shopify experts can develop tailored payment features for unique business models. This option ensures better control over payment workflows and integration with other tools. However, custom development requires time and investment. Weigh the benefits against the costs before making a decision.

Explore Shopify Apps

The Shopify App Store offers various solutions for split payments. Research apps that align with your needs and business model. Look for key features such as installment plans, partial deposits, and flexible payment terms. Read user reviews to assess reliability and customer support quality. Choosing the right app can improve checkout flexibility and boost sales.

Inform Customers Clearly

Clear communication about split payment options is essential. Display information on product pages, FAQs, and checkout screens. Inform customers about payment schedules, due dates, and any conditions. Transparency reduces confusion and increases trust in the purchasing process. A well-informed customer is more likely to complete their purchase.

Final Thoughts

Shopify split payments provide a powerful way to boost conversions and enhance customer experience. By allowing buyers to pay in smaller amounts, businesses can reduce cart abandonment and attract more shoppers. The flexibility of partial payments improves affordability while ensuring steady cash flow for merchants. From built-in Shopify features to third-party apps, various solutions exist to fit different business needs. Careful planning, clear communication, and the right tools can help maximize the benefits of split payments. Are you ready to boost sales and improve customer satisfaction? Start implementing split payments in your store today!