What Partial.ly does

Partial.ly is a Tampa, Florida-based payment plan software platform founded around 2015–2017 and operated by Partially Inc. The company enables merchants to offer installment payment plans, layaway, deposits, pre-orders, and B2B invoicing to their customers, functioning as a software layer on top of Stripe rather than as a balance-sheet lender. It serves 33K+ merchant accounts that have cumulatively processed $325M+ in payments for 1.5M+ end customers across at least 15 verticals including high-ticket retail, medical/dental, fitness, travel, events, rentals, education, and professional services. The platform is differentiated by 100% approval rates with no credit checks, merchant ownership of the customer relationship, white-label OEM capability, and 15+ native integrations across e-commerce platforms (WooCommerce, Shopify, BigCommerce, Ecwid, Magento, PrestaShop, Squarespace, OpenCart) and accounting software (QuickBooks, FreshBooks).

The underlying technology is a REST API and webhook system with extensive merchant configurability (retry logic, payment rescheduling, customizable email notifications, branded checkout, custom domain mapping). Stripe is the exclusive payment processor with Plaid handling bank account authentication, while TrueAccord is integrated for AI-driven defaulted-plan collections. Recent product additions include crypto payment plans (September 2025), Advanced Scripting subscription (2025), a NexHealth dental/medical integration (April 2025), and a Partial.ly App for Stripe (March 2026).

Partial.ly monetizes through a flat 2% transaction fee on each successful payment (separate from Stripe fees), a 20% recurring commission paid to affiliate partners, and a $10/month Advanced Scripting subscription. Distribution combines self-serve merchant registration, integration marketplace listings, an affiliate channel, and sales-assisted demos for enterprise prospects. The company is privately held and appears bootstrapped or founder-owned, with Andrew Schmid as Founder and CEO and 1–10 total employees.

Name

Partial.ly

Legal name

Partially Inc

Website

https://partial.ly

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Partial.ly is a Tampa-based software platform that enables merchants to sell products and services via custom payment plans, layaway, deposits, pre-orders, and B2B invoicing. It serves 33K+ merchants across 15+ verticals with a 2% transaction-fee model on top of Stripe.

Ownership category

akta.pro rank

Product category

Payment Plan Software

NAICS

Sales Financing (52222), Activities Related to Credit Intermediation (5223)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Merchant-Branded Installment Financing (Retailer Private-Label) (FSAKAFAA)

akta.pro secondary industries

Recurring Billing & AutoPay Management (FSAMAJAE), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

Keywords

• Payment plan software
• Buy now pay later
• Merchant installment payments
• Layaway platform software
• B2B invoicing software

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Marketing or Sales, Personnel, Operations

Revenue model

1. Transaction Fees: Flat 2% transaction fee on each successful payment processed through the platform. No third-party lender involvement; merchant retains full margin.
2. Affiliate Commission: 20% recurring commission paid to affiliates on Partial.ly's net profit from referred merchants (platform fee after payment processor costs), for life of merchant relationship.
3. Advanced Scripting Subscription: $10/month subscription for advanced customization features including limitations, minimum purchase requirements, and different offers for different products. First 30 days free.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels6 records

Core offering

Partial.ly provides merchants with a software platform to offer customers flexible installment-based payments at checkout and on invoices, including layaway, deposits, pre-orders, and merchant-controlled in-house financing. The platform operates with no credit checks and 100% approval, processes payments through Stripe, and integrates with major e-commerce, accounting, and automation tools so merchants can add payment plans without replacing their existing cart or accounting software.

Product overview

Partial.ly is an all-in-one payment plan platform offering flexible installment payment solutions for merchants. The core product is the Payment Plans platform, which includes multiple integrated modules: Flexible Checkout (customer-facing payment selection), Modern Layaway (pay-before-ship), Smart Deposits (date reservations), Pre-Order Engine (pre-launch funding), In-House Financing (merchant-controlled credit), and Invoicing & Collections (B2B payments). Additional modules include White-Label Solution (full branding customization), Crypto Payment Plans (cryptocurrency support), Customer Portal (self-service management), and Zapier/n8n Integrations (workflow automation). The platform operates through Stripe as the payment processor and integrates with major ecommerce platforms (WooCommerce, BigCommerce, Ecwid, PrestaShop, OpenCart, Squarespace, Magento) and accounting software (QuickBooks, FreshBooks).

Differentiator

Problem solved

Functional benefit

Brands

• crypto.partial.ly: Crypto earnings and loans site for cryptocurrency payment plans
• Modern Layaway
• Smart Deposits
• Pre-Order Engine
• In-House Financing

Products and services

• Payment Plans Platform Core software platform enabling merchants to create, manage, and automate installment-based payment plans for customers, including fixed installments, custom schedules, interest-free plans, and subscription billing with merchant dashboard and automated collection.
• Flexible Checkout Customizable customer-facing checkout experience that lets shoppers split purchases into payment plans with merchant-defined boundaries on down payment, duration, and frequency.
• Modern Layaway Layaway module enabling customers to pay over time with shipment released only after the plan is paid in full, eliminating merchant risk on unfulfilled orders.
• Smart Deposits Deposit collection module for rentals and events that secures a booking with an upfront deposit and automates the remaining balance installments to the event or reservation date.
• Pre-Order Engine Pre-order payment module that lets merchants capture revenue before inventory arrives, suitable for product launches, custom orders, and limited-edition drops.
• In-House Financing Merchant-controlled financing module that lets businesses act as their own lender for high-ticket services, with 100% approval and no credit checks.
• Invoicing & Collections B2B invoicing product with automated invoicing, installment payment reminders, aging reports, bulk operations, and seamless collections workflows, including line items, taxes, discounts, and custom payment terms.
• White-Label Solution Full white-label deployment that removes Partial.ly branding, customizes colors and emails, maps a custom domain, and exposes API-first architecture for fully custom frontends.
• Crypto Payment Plans Cryptocurrency-enabled payment plan module that allows merchants to let customers pay installments in crypto when enabled (branded sub-site crypto.partial.ly).
• Affiliate Program Referral program paying partners a 20% recurring commission on Partial.ly's net platform profit for the lifetime of merchants they refer, paid automatically via PayPal.
• Advanced Scripting Subscription $10/month subscription add-on for merchants using WooCommerce, Ecwid, OpenCart, CS-Cart, or PrestaShop that enables custom limitations, minimum purchase requirements, and product-specific offer rules, with the first 30 days free.

Quantifiable outcome

• 30-50% increase in average order value for e-commerce merchants offering split payments
• +4 more outcomes

Named customers2 records

Segments15 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration19 records

AI capability3 records

Feature13 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• StripecoreTechnology or IntegrationVerified Stripe Partner and marketplace listing. Stripe is the payment processor powering all Partial.ly transactions. Merchants must connect a Stripe account to use the service. Integration allows payment plan creation directly from Stripe Dashboard.
• PlaidcoreTechnology or IntegrationPlaid is used to authorize customer bank accounts for ACH payments. When customers choose bank account as payment method, Plaid enables secure account verification and authorization.
• TrueAccordcoreImplementation/ SI/ Consulting PartnerAI-driven digital debt collection agency partner for defaulted payment plan recovery. Available to US merchants with US customers. TrueAccord handles collections using machine learning and digital-first approach, with 35% fee on recovered amounts. Reduces merchant burden of chasing unpaid plans.
• RoktminorGTM or Marketing PartnerEcommerce technology company optimizing checkout process. Once merchants enroll in Partial.ly payment plans, Rokt provides relevant offers to customers at checkout. Merchants can generate additional revenue through ad engagement (65% engagement rate, $200 eCPM) at no additional cost.
• WooCommercecoreTechnology or IntegrationDirect integration with WooCommerce (WordPress) for seamless payment plan checkout on WooCommerce-powered stores.
• ShopifycoreTechnology or IntegrationShopify integration via Zapier or n8n automation platforms. Options include manual payment method on checkout or checkout button on product/cart pages.
• BigCommercecoreTechnology or IntegrationDirect integration with BigCommerce for payment plan functionality on BigCommerce-powered stores.
• QuickBookscoreTechnology or IntegrationAuto-sync invoices, payments, and reconciliation data with QuickBooks Online. Invoice balances update automatically as payment plan payments are made.
• FreshBookscoreTechnology or IntegrationInvoice balances update automatically in FreshBooks as payment plan payments are made through Partial.ly.
• EcwidcoreTechnology or IntegrationDirect integration via Ecwid app store. Easy installation and configuration with API key and offer ID setup.
• ZapiercoreTechnology or IntegrationZapier integration connects Partial.ly to thousands of apps. Automates workflows based on plan events (opened, paid, defaulted) and triggers actions in other platforms.
• n8ncoreTechnology or IntegrationFree n8n workflows available for Partial.ly integration. Alternative to Zapier for automation between Partial.ly and other platforms.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Affirm: Leading consumer BNPL provider offering merchant-integrated installment financing at checkout. Direct competitor to Partial.ly in the merchant payment-plan space, though Affirm underwrites credit while Partial.ly delegates credit decisions to merchants.
• Klarna: Global BNPL giant offering pay-in-installments and pay-later at checkout. Competes with Partial.ly for merchant-integrated installment volume, particularly with cross-border merchants and larger retailers.
• Afterpay (Block): BNPL provider owned by Block, integrated with major e-commerce platforms. Competes head-on with Partial.ly in the merchant checkout installment category.
• Splitit: Installment payments on existing credit cards at checkout. Competes with Partial.ly in merchant-integrated installment offerings and is explicitly listed on Partial.ly's comparison page.
• Sezzle: BNPL platform offering interest-free installment plans at checkout. Direct competitor named on Partial.ly's alternatives page, targeting the same SMB and mid-market merchant segments.
• Paythen: Merchant-branded installment and subscription billing platform, very close in positioning to Partial.ly — both offer merchant-controlled plans without third-party lender involvement. Listed on Partial.ly's comparison page.

Broad incumbents

• Stripe: Underlying payment processor for Partial.ly and increasingly a competitor through Stripe's own BNPL/instalments products and Invoicing. Strategic partner and partial competitor in the merchant payment-plan space.
• Square (Block): Payments platform offering installment plans, invoicing, and merchant capital to SMBs. Competes broadly with Partial.ly's SMB merchant payment-plan and invoicing use cases.

Emerging players

• Chargebee: Subscription billing and recurring payments platform. Adjacent competitor for Partial.ly's subscription-style use cases (multi-session fitness, retainers, recurring services).
• Recurly: Recurring billing and subscription management platform. Adjacent competitor for Partial.ly's recurring payment-plan use cases across subscription and installment merchants.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/partiallyapp
• Facebookfacebook.com/partiallyapp
• Instagraminstagram.com/partiallyapp

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Partial.ly