7 Best WooCommerce Partial Payment & Deposit Plugins (2026)

Looking for the best WooCommerce partial payment and deposit plugins so customers can reserve a product with a deposit and pay the balance later? This guide compares seven options that are actively maintained in 2026, with a side-by-side table covering pricing, key features, and compatibility.

Deposit and installment plugins all solve the same core problem, but they solve it differently. Some are lightweight extensions that add a “Pay 20% now” option at checkout. Others are full installment engines that auto-charge saved cards on a schedule. Choosing wrong means either paying for features you will never use or discovering, too late, that your plugin cannot handle bookings or variable products.

Demand keeps growing: as more shoppers expect to spread payments, merchants who offer a deposit path convert more high-ticket carts. If you want the strategy behind the features before comparing tools, the business benefits of offering partial payments are worth reading first.

Below you will find a comparison table, then a detailed look at each plugin’s features and benefits, so you can match one to your store type rather than to a marketing page.

WooCommerce Partial Payment Plugins at a Glance

Every price below is the vendor’s published list price for a single site unless noted otherwise. Check current pricing on the vendor site before you buy, since deposit plugin pricing changes quietly.

One note before the deep dives: WordPress.org ratings and active-install numbers for these plugins change month to month, so treat any figure you see elsewhere as a snapshot rather than a fixed fact. The feature differences below are what should drive your decision.

1. Deposit & Partial Payments for WooCommerce (WpDepositly)

Deposit & Partial Payments for WooCommerce, known as WpDepositly, is our own product, so read this section with that disclosure in mind. It is a lightweight extension built to add deposit logic to existing WooCommerce products without restructuring your catalogue.

You can require a deposit, offer it as optional, or let customers enter their own amount as long as it clears a minimum you set. Deposits can be a fixed value or a percentage, and you can switch the whole system on or off from a single setting.

Balance collection is where it differs from a pure payment-gateway service: customers can log in and settle the remaining amount themselves, with automatic email reminders prompting them after a set number of days. The Pro version adds term-based repayment schedules, a dedicated Partial Orders menu, CSV export for finance reconciliation, category-based and user-role-based deposit rules, and a “checkout mode” that shows deposit details only at checkout.

Because it hooks into WooCommerce natively, it supports any gateway your store already accepts, and you can disable specific gateways when a deposit sits in the cart. WPML compatibility and bundled translation files cover Arabic, Dutch, English, French, German, and Spanish storefronts.

Where WpDepositly Is Not the Right Fit

• If you need fully automatic recurring charges on a stored card with zero customer action, a dedicated installment service such as Payment Plans WC or Woo Partial.ly handles that better.
• If your catalogue is dominated by complex hotel or rental bookings with check-in-date-driven balance deadlines, YITH’s booking-specific logic is a closer match.
• If you need per-variation deposit rules on a store with hundreds of variations, PH WooCommerce Deposits gives you finer control out of the box.

If those limits do not apply to you, you can explore the WpDepositly Pro demo and licence options and test it on a staging site before committing.

2. Payment Plans WC

Payment Plans WC is built around automation rather than manual follow-up. Where most deposit plugins leave the balance payment to the customer’s own initiative, this one schedules and collects it, retrying a declined card instead of letting the order stall.

Key Features

• Automatic rebilling with failed-payment retry, so a declined card does not silently become lost revenue.
• Support for a long list of processors, including Stripe, PayPal, Square, and Authorize.Net.
• Configurable intervals: daily, weekly, or monthly, with fixed or percentage-based plan structures.
• Mixed carts that let one checkout contain both a full-price item and an installment product.

Benefit: best suited to online courses and high-ticket services where you want billing to run without manual invoicing. It is a weaker fit for physical retail that relies on manual balance payments.

3. Deposits & Partial Payments for WooCommerce by Acowebs

Acowebs takes a rules-first approach. Rather than one global deposit setting, you build deposit behaviour per product, per category, and per user role, which suits stores that price differently for wholesale and retail customers.

Key Features

• Automated balance collection through Stripe, reducing manual follow-ups on outstanding amounts.
• User-role-based deposit rules, so wholesale accounts can carry a different deposit percentage than retail shoppers.
• Custom payment plans in intervals of days, weeks, months, or years.
• Storewide toggles to force or disable deposits, plus per-product overrides.
• Sortable deposit reports for tracking outstanding balances.

4. Bayna by Codeixer

Bayna markets itself as a buy-now-pay-later tool, and its distinguishing idea is simple: apply the deposit to the whole cart rather than to individual line items, then control which gateways are allowed to process those orders.

Key Features

• Gateway restriction for deposit orders, useful when certain processors are too expensive or too risky for balance payments.
• Automatic and manual email reminders, triggerable from the order dashboard.
• Cart-level deposits that simplify checkout for customers buying several items at once.
• Automatic order cancellation when a balance stays overdue past a set number of days, keeping inventory accurate.

5. Woo Partial.ly

Partial.ly is not really a plugin in the same sense as the others. The WooCommerce integration is free, but the payment plans themselves run through Partial.ly’s own platform, which means you are adopting a payment service as well as a plugin.

Key Features

• Customers customise their own down payment, frequency, and duration within merchant-defined limits.
• Automated collections on a schedule, with the option for a customer to pay early.
• No monthly or sign-up fee from Partial.ly itself; you pay per transaction instead.
• Product-page widgets that display plan options early, before a customer reaches checkout.

Benefit: attractive if you dislike annual licence fees and prefer costs that scale with revenue. Less attractive if you want every payment to stay inside your own WooCommerce order flow, since the balance lives on a third-party platform.

6. PH WooCommerce Deposits Plugin

PluginHive’s offering targets stores that need reliability and fine-grained control rather than the shortest possible setup. It is priced accordingly, and positioned for merchants already running bookings and appointments.

Key Features

• Extensive compatibility with WooCommerce Bookings and Appointments, making it a natural choice for bookable services.
• Vertical or horizontal selection-box layouts so the deposit UI matches your theme.
• Automatic invoice and order generation for balance payments, cutting manual admin work.
• Per-variation deposit settings, which matters on stores with many product options.

Benefit: customers get a clear choice between deposit and full payment, and your team spends less time chasing balances. The trade-off is cost and a steeper setup than lighter plugins.

7. YITH WooCommerce Deposits / Down Payments

YITH is the option most often chosen by hotels, rentals, and service businesses with date-sensitive bookings, because it reasons about when a balance is due relative to an event, not just how much is owed.

Key Features

• Automatic Stripe charging of the balance to the card used for the deposit when paired with YITH Stripe.
• Balance requests scheduled a set number of days before a check-in or appointment.
• Configurable actions on unpaid balances: refund the deposit automatically or cancel the order.
• A rule-based engine that overrides global settings for specific products or user roles.

Benefit: it converts deposits from a payment option into a booking policy you can enforce automatically. The main drawback is that there is no free version to evaluate first, so budget for the licence before you trial it.

Which WooCommerce Partial Payment Plugin Should You Pick?

Match the plugin to your store type rather than to the longest feature list.

• General product stores: a lightweight extension that adds fixed or percentage deposits without touching the rest of your setup. WpDepositly and Acowebs both fit, with Acowebs leading on role-based rules.
• Courses and services with recurring billing: Payment Plans WC or Woo Partial.ly, because balance collection is automated rather than manual.
• Bookings, appointments, rentals, and hotels: PH WooCommerce Deposits or YITH, where date-driven balance deadlines and refund rules are built in.
• Cart-level deposit campaigns: Bayna, particularly if you need to restrict which gateways handle deposit orders.

Budget matters too. Pay-as-you-go services keep upfront costs near zero but take a slice of every order; annual licences cost more upfront but cap your long-run cost. Run your average order value through both models before deciding. If you would rather see the mechanics before installing anything, this walkthrough of integrating a deposit and partial payment system in WooCommerce shows how the setup works end to end.

Frequently Asked Questions About WooCommerce Partial Payment and Deposit Plugins

Can customers pay the full amount instead of a deposit?

Yes. In most plugins, including WpDepositly, Acowebs, Bayna, PH, and YITH, deposits can be set as optional, so shoppers see both a full-payment and a deposit option on the product page or at checkout. Forcing a deposit is a setting you switch on, not the default behaviour.

Are deposits refundable?

Deposits are refunded through the normal WooCommerce refund flow, manually, from the order screen. Whether a deposit is refundable is a business policy you enforce, not something the plugin decides, but YITH and similar plugins can automate a refund when a balance deadline is missed.

Do these plugins work with WooCommerce Bookings and Appointments?

Some do, and the ones that do are worth prioritising if you sell time-based services. PH WooCommerce Deposits and YITH are the strongest fits for bookings, while WpDepositly covers bookings and event products as well.

Can I set different deposit rules for products, categories, or user roles?

Usually only in paid tiers. WpDepositly Pro, Acowebs, PH, and YITH all support per-product, category-based, or role-based rules. Free versions tend to be store-wide or limited to basic fixed and percentage deposits.

How is the remaining balance collected?

It depends on the plugin. The simplest route lets customers log in and pay the balance from their account page, often prompted by an automatic reminder email. More advanced plugins generate a new balance order on a schedule, or charge a saved card automatically. Payment Plans WC and Woo Partial.ly sit at the fully automated end of that range.

Is there a free way to test partial payments before buying?

Yes. WpDepositly, Acowebs, and Bayna all publish free versions covering basic fixed and percentage deposits, which is enough to validate the checkout experience on a staging site. PH WooCommerce Deposits and YITH are paid-only, so check whether they offer a refund window before purchasing.