10 Best WooCommerce Prepayment Plugins to Collect Advance Payments in 2025

Collecting payments upfront is becoming a strategic necessity for many WooCommerce businesses. Whether it’s for custom orders, bookings, pre-orders, or expensive products, having a reliable prepayment system ensures that customers commit financially before the order is processed. However, WooCommerce’s default settings do not provide advanced features for managing prepayments or partial payments efficiently. This is where WooCommerce Prepayment Plugins play a vital role.

WooCommerce Prepayment Plugins are designed to help store owners collect full or partial payments in advance, automate payment schedules, and handle various scenarios like deposits, down payments, and pre-orders. These plugins give businesses control over their cash flow, reduce order cancellations, and eliminate the risks associated with “cash-on-delivery” or unpaid orders.

With the growing demand for flexible payment options and secure online transactions, integrating a prepayment system into your WooCommerce store not only protects your business but also enhances customer trust. In this guide, we will explore the 10 best WooCommerce Prepayment Plugins that can help you streamline advance payment collections, automate deposits, and simplify the entire payment workflow in 2025.

What Are WooCommerce Prepayment Plugins and Why Do You Need Them?

What Are WooCommerce Prepayment Plugins?

WooCommerce Prepayment Plugins are specialized extensions that allow online stores to collect advance payments from customers during the purchase process. These plugins are designed to manage scenarios where store owners need customers to pay either the full amount or a partial deposit upfront before the product or service is delivered.

Unlike standard WooCommerce payment systems, which focus on full payments at checkout, WooCommerce Prepayment Plugins add flexible options like:

• Deposit payments (fixed amount or percentage).
• Partial payment plans for high-ticket items.
• Pre-order payments for products not yet available.
• Booking fees for services or event reservations.
• Scheduled installment payments for subscriptions.

These plugins ensure that the business receives a financial commitment before order fulfillment, helping reduce risks related to cancellations or non-payments.

Why Are WooCommerce Prepayment Plugins Essential?

For many WooCommerce stores, relying solely on pay-on-delivery or post-purchase payments is risky. Here’s why integrating WooCommerce Prepayment Plugins is crucial:

1. Secures Revenue Upfront
   By collecting payments in advance, store owners ensure that cash flow is maintained and production or service costs are covered without delays.
2. Reduces Order Cancellations
   When customers pay a deposit, the likelihood of them canceling the order decreases significantly, especially for custom or made-to-order products.
3. Flexible Payment Solutions for Customers
   Not every customer prefers to pay the full amount upfront. Prepayment plugins allow businesses to offer deposit-based payments, making high-value purchases more accessible.
4. Essential for Pre-Orders and Bookings
   Selling products that are yet to be released or services that require reservations often demands an upfront payment to confirm the order or booking.
5. Streamlines Financial Management
   Prepayment systems help businesses manage working capital more effectively, allowing better planning for inventory, production, and logistics.
6. Enhances Professionalism and Customer Trust
   A well-structured prepayment system shows customers that the business operates with clear payment terms, boosting their confidence to purchase.

In short, WooCommerce Prepayment Plugins are critical for WooCommerce stores that want to offer structured payment models, reduce payment risks, and maintain steady cash flow in a competitive eCommerce environment.

Uses and Benefits of WooCommerce Prepayment Plugins

Where Are WooCommerce Prepayment Plugins Used?

WooCommerce Prepayment Plugins are versatile tools applicable in various business models where advance payments are essential. They are commonly used in:

• Custom-Made Product Stores: Businesses selling personalized items like furniture, jewelry, or custom apparel often require a deposit before starting production.
• Service-Based Businesses: Professionals offering appointments, consultations, or event services use prepayment systems to collect booking fees.
• Pre-Order Campaigns: Stores launching new products collect advance payments to confirm customer interest and manage inventory planning.
• High-Ticket Product Sales: Expensive products often benefit from a partial payment system, allowing customers to pay a deposit and clear the balance later.
• Rental and Subscription Services: Businesses providing equipment rentals or subscription-based services use prepayment systems to manage recurring charges.
• Wholesale and B2B Sales: B2B sellers often use prepayment methods to secure bulk orders before fulfillment.

Key Benefits of WooCommerce Prepayment Plugins

1. Ensures Financial Commitment from Customers
   Prepayment systems secure upfront commitment, which reduces the risk of cancellations and wasted resources.
2. Improves Cash Flow Management
   Receiving deposits or full payments in advance helps maintain a steady cash flow, which is critical for inventory purchases, production, and logistics.
3. Offers Flexible Payment Structures
   WooCommerce Prepayment Plugins allow store owners to define payment structures—full payment, partial deposit, or scheduled installments—based on product type or business model.
4. Reduces Fraud and Non-Payment Risks
   By collecting payments before dispatch, businesses can safeguard themselves against fraudulent orders or non-payment issues, especially for custom or perishable goods.
5. Automates Payment Collection Process
   These plugins automate payment requests, balance due reminders, and transaction records, reducing manual efforts and errors.
6. Enhances Customer Buying Experience
   Customers are more likely to purchase high-value items if flexible deposit options are available, making the payment process more convenient and affordable.
7. Streamlines Order Management Workflow
   Orders with advance payments can be prioritized, ensuring smoother operations and timely deliveries.
8. Supports Business Growth with Pre-Order Models
   Businesses can test demand and fund production for upcoming products by collecting pre-orders using WooCommerce Prepayment Plugins.

For WooCommerce store owners aiming to manage payments effectively, increase conversion rates, and reduce financial risks, integrating a reliable WooCommerce Prepayment Plugin is a strategic necessity.

How to Use WooCommerce Prepayment Plugins Effectively (Step-by-Step Guide)

Setting up WooCommerce Prepayment Plugins requires careful configuration to ensure seamless payment handling and a smooth customer experience. Follow these steps to use these plugins effectively for your store.

Step 1: Choose the Right WooCommerce Prepayment Plugin

Evaluate your business needs before selecting a plugin:

• Do you need full prepayment, partial deposits, or scheduled installments?
• Will you be managing pre-orders, bookings, or custom product orders?
• Does the plugin support multiple payment gateways (PayPal, Stripe, etc.)?
  Choose a WooCommerce Prepayment Plugin that offers the flexibility your business requires, along with compatibility with your WooCommerce version and other plugins.

Step 2: Install and Activate the Plugin

To install:

1. Go to WordPress Dashboard > Plugins > Add New.
2. Upload the plugin file (if it’s a premium plugin) or search from the repository.
3. Click Install Now and then Activate.
   Upon activation, the plugin settings will typically appear under WooCommerce > Settings > Payments or within a dedicated “Deposits/Prepayment” section.

Step 3: Configure Prepayment Settings

Set up how you want to collect advance payments:

• Enable Deposit or Partial Payment options.
• Define whether the deposit is a fixed amount or a percentage of the product price.
• Set rules for Pre-Orders, Bookings, or Made-to-Order Products.
• Choose if balance payments are collected manually or automatically before order completion.
• Configure notifications and reminders for pending payments.

Most WooCommerce Prepayment Plugins provide extensive customization for different product types, so you can fine-tune payment rules as needed.

Step 4: Customize Frontend Payment Display

Ensure that payment options are communicated to customers:

• Display deposit information on product pages.
• Show prepayment details on the cart and checkout pages.
• Use custom labels like “Pay Deposit Now” or “Pre-Order with 30% Advance”.
  Clear communication reduces confusion and improves conversion rates.

Step 5: Test the Complete Payment Workflow

Before making the prepayment system live:

• Place test orders using deposit payment options.
• Verify if deposits are deducted correctly and balance payments are prompted at the right time.
• Ensure notifications and transaction records are accurate.
  Thorough testing ensures there are no disruptions once customers start using the feature.

Step 6: Promote Prepayment Options to Customers

Inform your customers about the new prepayment options through:

• Banners on your website.
• Email campaigns.
• Cart page messages.
  Offering incentives like “5% off on advance payment” can also encourage adoption.

Step 7: Monitor and Optimize Prepayment Transactions

Use the plugin’s reports to monitor:

• Percentage of orders using prepayment.
• Abandoned carts where prepayment was selected.
• Payment completion rates for balance amounts.
  Refine your prepayment strategies based on this data to ensure a seamless customer journey.

By following these steps, WooCommerce store owners can effectively use WooCommerce Prepayment Plugins to manage advance payments, improve cash flow, and reduce order cancellations.

1. YITH WooCommerce Deposits / Down Payments

 

YITH WooCommerce Deposits / Down Payments is a highly popular and effective plugin for store owners who want to offer flexible payment options. This plugin allows customers to pay for a product in two installments: a deposit upfront to reserve the item, and the remaining balance later. This is an ideal solution for selling high-value products, custom-made items, or for managing pre-orders. By making your products more financially accessible, you can attract a wider audience and significantly boost your conversion rates.

Features

• Flexible Deposit Options: Set the deposit as a fixed amount or a percentage of the total product price.
• Mandatory or Optional: You can choose to make the deposit mandatory for all purchases or give customers the option to pay the full amount upfront.
• Payment Reminders: Automatically send email reminders to customers when their final payment is due.
• Date-Based Payments: Set a specific due date for the balance payment, or a time frame (e.g., within 30 days of the deposit).
• Full Refund and Cancellation Options: Configure the plugin to automatically refund the deposit or cancel the order if the final payment is not made.

Price

• Starts at $129.99 per year for a single-site license.
• Includes a year of updates and dedicated support from YITH.

Advantages

• Boosts Sales for High-Ticket Items: By offering deposits, you make expensive products more affordable and accessible to customers.
• Reduces Cart Abandonment: Flexible payment options give customers a reason to complete a purchase they might have otherwise abandoned due to high cost.
• Customizable Rules: You can set global rules or create specific deposit values for individual products or categories, giving you full control.
• Reputable Developer: From the trusted YITH team, ensuring high quality, regular updates, and excellent customer support.

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2. Prepaid for WooCommerce Subscriptions

Prepaid for WooCommerce Subscriptions is an add-on for the popular WooCommerce Subscriptions extension. It’s a specialized plugin that allows you to offer prepaid subscription plans, where customers pay upfront for a set period (e.g., an annual subscription) but still receive deliveries on a regular schedule (e.g., monthly). This is a great way to improve your cash flow and increase the customer lifetime value (CLV) of your subscribers. It’s particularly useful for businesses selling subscription boxes, magazine subscriptions, or any service that requires a long-term commitment.

Features

• Prepaid Plan Creation: Add prepaid options (e.g., 3-month, 6-month, or annual plans) to your existing subscription products.
• Separate Delivery & Billing: Allows you to charge customers upfront for a long-term subscription while delivering the product on a different, more frequent schedule.
• Flexible Shipping: Charge shipping fees once at the time of purchase, or on a recurring basis with each delivery.
• Customizable Pricing Strings: Highlight the savings of a prepaid plan with custom pricing text to incentivize customers to choose a longer-term option.
• Renewal Management: Provides a clear overview of renewal schedules and remaining deliveries for both the admin and the customer.

Price

• Starts at $79 per year for a single-site license.
• Requires the WooCommerce Subscriptions plugin to function.

Advantages

• Improves Cash Flow: Collecting a large payment upfront for a long-term subscription provides immediate cash flow for your business.
• Increases CLV: Encouraging customers to commit to a longer-term plan significantly increases their lifetime value.
• Better for Customer Loyalty: Customers who have paid in advance are more likely to stay with your brand and resubscribe in the future.
• Simplified Management: The plugin’s interface makes it easy to manage both the billing and delivery schedules of your prepaid subscriptions.

3. Deposits for WooCommerce

Deposits for WooCommerce is a comprehensive plugin that offers a flexible partial payment solution for your store. It allows you to accept deposits or down payments on products, services, or bookings. This plugin is not just for simple deposits; it also lets you create full payment plans with a fixed number of installments. It’s an excellent choice for a variety of businesses, from those selling custom furniture to those managing a service or event booking website.

Features

• Percentage or Fixed Deposits: Set deposits as a fixed amount or a percentage of the total order value.
• Custom Payment Plans: Create payment schedules with multiple installments and define the payment due dates.
• Automated Reminders: Automatically send email reminders to customers for upcoming or overdue payments.
• Compatibility with Booking Plugins: Integrates seamlessly with popular booking and appointment plugins to accept deposits on reservations.
• Payment Gateway Limitations: Limit on which payment gateways can be used for deposits and which are available for full payments.

Price

• Starts at $119 per year for a single-site license.
• Lifetime plans are also available.

Advantages

• Versatile Payment Options: Offers more than just deposits, with the ability to create full-fledged payment plans.
• High Flexibility: You can apply deposit rules globally, per product, or even per category.
• Automated Convenience: The automated email reminders reduce the manual effort of chasing customers for payments.
• Compatibility: The plugin’s compatibility with other popular extensions makes it a powerful tool for a variety of business models.

4. Layaway Invoice

Layaway Invoice is a unique plugin that focuses on a manual, flexible layaway system for WooCommerce. It’s designed for store owners who want to offer a personalized layaway or bill-pay program without relying on a third-party credit check provider. The plugin allows you to create and send custom invoices to customers, who can then make payments over time until the balance is paid in full. This is a great solution for businesses that want to build a more direct and personal relationship with their customers.

Features

• Custom Layaway and Bill Pay: Create and send layaway invoices for online and in-store purchases.
• Manual Invoice Creation: Manually enter customer and order details on the backend to create a layaway plan.
• Customizable Down Payment: Set a required down payment as a percentage of the total bill.
• Flexible Payment Terms: You decide the expiration date for the layaway, giving customers as much time as needed to pay.
• Automated Email Notifications: Customers receive emails when an invoice is created and with every payment they make.

Price

• A one-time purchase fee for the plugin.
• Pricing is based on a single-site license.

Advantages

• No Credit Checks: Unlike other “buy now, pay later” services, this plugin doesn’t require a credit check, making it accessible to all customers.
• Full Control: You, as the store owner, have complete control over the terms, down payment, and due date of the layaway.
• Ideal for In-Store and Online: The ability to manually create invoices on the backend makes it perfect for managing both online and physical store layaways.
• Builds Customer Trust: Offering a personal, flexible payment plan helps to build trust and loyalty with your customers.

5. Splitit

Splitit is a unique “Buy Now, Pay Later” plugin that empowers your customers to pay in installments using their existing credit card. Unlike traditional BNPL services that require a new loan or credit check, Splitit uses a customer’s existing available credit to secure the full purchase amount, then charges them in monthly, interest-free installments. This a powerful way to increase average order value (AOV) and conversions by offering a seamless and risk-free way for customers to pay over time, without ever leaving your site.

Features

• Interest-Free Installments: Customers can split their payments into several installments without any interest or fees.
• No Applications or Credit Checks: The payment is based on the customer’s existing credit card limit, so there’s no need for an application or approval process.
• White-Label Solution: The entire payment experience is branded to your store, with no third-party branding or redirects.
• Flexible Installment Options: You can set the number of installments and the payment frequency (e.g., monthly or biweekly).
• Merchant Dashboard: Get paid the full amount upfront and manage all transactions from a dedicated merchant dashboard.

Price

• A free version is available.
• Paid plans and transaction fees apply, which vary based on your business size and country.

Advantages

• Increases AOV and Conversions: By making large purchases more affordable, Splitit encourages customers to spend more.
• High Approval Rates: Since it’s based on a customer’s existing credit, approval rates are very high.
• Merchant Receives Full Payment Upfront: You get paid the full amount immediately, so you don’t have to wait for the installments.
• Seamless Checkout: The in-house checkout experience keeps customers engaged and reduces cart abandonment.

6. SUMO WooCommerce Payment Plans

SUMO WooCommerce Payment Plans is a complete and highly flexible plugin for creating various payment plans for your WooCommerce store. This plugin goes beyond simple deposits and allows you to set up different types of plans, including down payments, installment payments, and recurring payments. It provides granular control, enabling you to define payment schedules on a per-product basis and integrate with popular payment gateways to handle the billing process automatically.

Features

• Multiple Payment Plan Types: Create down payment plans, fixed installment plans, or a custom payment schedule.
• Flexible Scheduling: Define the number of installments, the interval between payments (e.g., daily, weekly, monthly), and the amount for each payment.
• Email Notifications: Automatically send email reminders and notifications to customers about their upcoming or failed payments.
• Payment Gateway Integration: Works with major gateways like Stripe, PayPal, and others to handle automatic billing.
• Product-Specific Rules: Set payment plans for all products or create unique plans for individual products, categories, or user roles.

Price

• A one-time purchase fee for the plugin license.
• Starts at $49 for a regular license from CodeCanyon.

Advantages

• All-in-One Solution: Provides a wide range of payment plan options in a single plugin.
• High Level of Customization: The ability to define unique payment schedules for different products gives you a lot of flexibility.
• Automatic Billing: The plugin automates the billing process, saving you significant time and effort.
• Cost-Effective: A one-time purchase fee is often more affordable than a subscription-based service.

7. Deposits and Partial Payments for WooCommerce

Deposits and Partial Payments for WooCommerce is a robust and widely-used plugin for managing deposits and partial payments. It offers a straightforward approach to creating flexible payment options for your customers, whether you need a simple deposit or a more complex payment schedule. This plugin is known for its reliability and its ability to handle a variety of scenarios, from pre-orders to layaway plans. It is particularly well-suited for a store that requires a simple but powerful solution for collecting advance payments.

Features

• Fixed or Percentage Deposits: Accept deposits as a fixed amount or a percentage of the total cart value.
• Force Deposits: Make deposits mandatory for specific products or categories.
• Full or Partial Payment: Give customers the option to pay the full amount or a deposit on the product page.
• Dynamic Payment Schedules: Create a payment schedule with multiple installments for the remaining balance.
• Email Reminders: Send automatic emails to customers to remind them about their outstanding payments.

Price

• A one-time purchase fee for the plugin license.
• Starts at $49 for a regular license from CodeCanyon.

Advantages

• Simple and Powerful: The plugin is easy to set up and use, yet it provides a comprehensive set of features for deposits and partial payments.
• Versatile Use Cases: Works well for a variety of scenarios, including pre-orders, high-value items, and services.
• Reduces Financial Burden: By allowing customers to pay in parts, you make your products more accessible and increase sales.
• Proven Reliability: The plugin has been a long-standing choice for WooCommerce stores, with a solid track record of performance.

8. WooCommerce Pre-Orders

WooCommerce Pre-Orders is the official pre-order plugin from WooCommerce. This extension is specifically designed to manage pre-sales for products that are not yet available. It provides a simple and clean interface for setting up pre-orders, and it gives you the flexibility to charge customers upfront or at a later date when the product is released. This is a must-have plugin for any store that sells products before they are in stock, as it helps you gauge demand, manage inventory, and secure sales in advance.

Features

• Flexible Payment Options: Charge customers immediately upon pre-order or automatically charge them when the product is released.
• Pre-Order Fees: Add a small pre-order fee to be charged at the time of the order.
• Automatic Notifications: Automatically notify customers when the pre-ordered product becomes available.
• Pre-Order Management: View and manage all pre-orders from a dedicated section in the WooCommerce dashboard.
• Seamless Integration: As an official plugin, it has deep integration with the core WooCommerce platform and is compatible with other extensions.

Price

• Starts at $129 per year for a single-site license.
• Includes a year of updates and dedicated support from WooCommerce.

Advantages

• Official Support: Being an official extension, it guarantees compatibility and reliability with the core WooCommerce platform.
• Demand Forecasting: Collecting pre-orders helps you accurately gauge demand and plan your inventory.
• Flexible Payment: The ability to charge upfront or later gives you the flexibility to choose the best option for your business.
• Secure Sales: Securing sales in advance helps you build a solid revenue stream even before a product is in stock.

9. WooCommerce POS Partial Payment Plugin

WooCommerce POS Partial Payment Plugin is a specialized solution for businesses that have both an online WooCommerce store and a physical Point of Sale (POS) system. This plugin allows your in-store customers to make partial payments or set up installment plans for their purchases. It’s an excellent tool for increasing sales in your physical store by offering the same flexibility as online stores. The plugin is built to work seamlessly with Webkul’s WooCommerce Point of Sale System, providing a true omnichannel payment solution.

Features

• POS Partial Payments: Allows your POS agents to create partial payment or EMI options for customers.
• Flexible EMI Options: Supports both configurable EMI plans and Stripe-based EMI options (e.g., Klarna, Affirm).
• Payment Reporting: Provides comprehensive reports and analytics on all EMI and partial payment transactions.
• Manual and Automated Management: POS agents can manually collect installment payments, or the system can automatically charge customers via Stripe.
• Custom Terms and Conditions: Define custom terms, conditions, and even penalties for late payments.

Price

• A one-time purchase fee of $79 for a single site license.
• Requires the WooCommerce Point of Sale System plugin to function.

Advantages

• Omnichannel Solution: Bridges the gap between your online and physical stores by offering flexible payments in both.
• Increases In-Store Sales: By making expensive products more affordable in your physical store, you can increase sales and customer satisfaction.
• Detailed Reporting: The reporting feature helps you track the performance of your partial payment plans.
• Flexible and Customizable: The ability to create custom EMI plans and terms gives you full control over the process.

10. Multi Vendor Stripe Connect | Split Payment

Multi Vendor Stripe Connect | Split Payment is a unique and powerful plugin designed for multi-vendor marketplaces. While not a traditional prepayment plugin, it’s a vital tool for managing payments in advance, as it allows the store owner to automatically split a single payment between multiple vendors and the admin. This plugin simplifies the complex process of managing payments and commissions in a marketplace, ensuring that each vendor gets their share in real-time. It’s a must-have for any business running a multi-vendor marketplace on WooCommerce.

Features

• Automatic Split Payments: Automatically splits a customer’s payment among the admin and the sellers involved in the order.
• Global or Product-Level Rules: Set a global commission rate or create different commission rates for individual products.
• Secure and PCI Compliant: Utilizes Stripe Connect to ensure that all payments are secure and PCI compliant.
• Seller and Admin Refunds: Both the admin and the sellers can process refunds for their respective parts of an order.
• Separate Charge and Transfer API: Uses Stripe’s API to ensure that funds are transferred to the correct accounts on time.

Price

• A one-time purchase fee for the plugin license.
• Pricing is typically based on the number of sites and support duration.

Advantages

• Automates Marketplace Payments: Eliminates the need for manual calculations and payouts to vendors, saving a tremendous amount of time.
• Real-Time Payouts: Vendors receive their funds immediately after a purchase is made, improving cash flow and vendor satisfaction.
• Secure and Reliable: Built on the Stripe platform, ensuring that all transactions are secure and reliable.
• Simplified Management: The plugin simplifies the complex process of managing a multi-vendor marketplace, allowing you to focus on growing your business.

Why WooCommerce Prepayment Plugins Are Essential for Modern eCommerce Stores

Efficient payment handling is crucial for online stores, especially when dealing with custom products, services, or high-ticket items. WooCommerce Prepayment Plugins provide store owners with the flexibility to collect full or partial payments in advance, ensuring that every order has a financial commitment from the customer before fulfillment.

These plugins not only secure cash flow but also reduce risks related to cancellations, fraud, and payment defaults. By automating deposits, pre-orders, and balance payments, WooCommerce stores can streamline their sales process while offering customers convenient payment structures.

As eCommerce continues to evolve in 2025, integrating a robust WooCommerce Prepayment Plugin is a smart strategy for businesses aiming to enhance payment security, optimize cash flow, and improve overall operational efficiency. For WooCommerce store owners, adopting prepayment systems is a forward-thinking approach to scale sustainably and meet modern buyer expectations.

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