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Just to put this unfortunate required fix back to the top of the comments

You could do this with a zapier zap for "automated" payment record
Or skip the Zap part, and manually reconcile the payment to the invoice when you receive the Stripe Payment.

1. Setup a stripe payment link page. https://stripe.com/gb/payments/payment-links
2. Create a field called reference.
Optionally automate:
Go to zapier
3. Create a zap
4. Trigger is a new stripe payment
5. Use search function to find invoice from reference from the custom field
6. Create a payment against the found invoice

Is a bit problematic, as invoice ref would not be validated, so prone to errors matching.
But probably low numbers of failures.
Use the precreated template
https://zapier.com/apps/stripe/integrations/xero/1308434/create-new-xero-payments-for-each-stripe-payment-received

Alt would be to forget xero as biller and use some dedicated billing system like shopify, wordpress checkout feature.
Then just create an invoice after the sale in xero.
Or use a plugin like https://wordpress.com/plugins/woocommerce-xero

I have no other option but to produce 2 invoices for customers as we ask our customer to pay 25% deposit for the order to start. That is great BUT we cannot accept a payment of that invoice through Stripe because it will not allow a payment for anything other than the total price of the invoice.
The only way we can accept payment is through direct bank transfers - or force the customer to pay the total amount of the invoice in advance. (NOT GOOD CUSTOMER SERVICE).
So with the simple introduction of allowing stripe to accept any amount up to the value of the invoice - we have our deposit invoices handled.
Stripe will handle partial payments, but Xero has put a restriction on what it will allow Stripe to pass back.

An example of our invoice is attached to explain the situation as described previously.

We cater for paying deposits by generating code within the Invoice template to show the deposit the customer needs to pay to initiate the production of the items being paid. ie Our invoices (and quotes) show that the customer must pay 40% deposit for the order to start. That is great BUT we cannot accept a payment of that invoice through Stripe because it will not allow a payment for anything other than the total price of the invoice.
The only way we can accept payment is through direct bank transfers - or force the customer to pay the total amount of the invoice in advance. (NOT GOOD CUSTOMER SERVICE).
So with the simple introduction of allowing stripe to accept any amount up to the value of the invoice - we have our deposit invoices handled.
Stripe will handle partial payments, but Xero has put a restriction on what it will allow Stripe to pass back.

+1 here from another small services business which requires that clients pay a 50% deposit for work to commence. We really don't want to use separate invoices for this.

This would be very handy for my clients.

PLEASE make this an option. Our customers need to be able to make partial payments. Some customers pay in full, others make payments. This is SO important for us.

We run a cabinetry business and issue the full invoice to our customers. They are required to pay an initial deposit of 50%, then instalment payments along each step of the job.
It is difficult to keep track if we need to issue separate invoices for each step.
If there could be an option that we can specify a different amount to be paid, that would help.

I run a tax practice. I want to send a client an invoice for the total cost of services and let them pay a deposit, so I can start the work. When it's ready to efile, I will collect the remainder and then file. I think it's really important to be able to have an option like this.

Need help allowing customers to make payment in installments rather than multiple invoices for same service.

Can Xero introduce a payment plan feature (optional) once the invoice is created. E.g Say the total value of the invoice is $20000 and we need the customer to pay in 10 instalments of 2000 each every month or based on a defined frequency. Currently, we have to manually track the due payments and send reminders to the customer for past due payments and upcoming payments as per payment plan. This is a cumbersome and time consuming process. If Xero can bring this capability, this will speed up the followup process and accounts receivables.

Hi Keith Electrical,

I have inboxed you.
This message shows when an invoice has been deleted or has been put back into draft status / editing.

My details are in the email and I'll be happy to run through it over the phone if you like

Thank you

Hi John Hart. Im trying to set up Stagepay butt its doesnt work.
Can you please inbox me at keithelectricalac@gmail.com
I keep getting
The details of this invoice have changed.
Please contact the merchant to request a re-issued invoice.
Eveery time ive tested sending the invoice. I havent edited any before sending and I believe its set up to Xero correctly.

Hi All

Just posting it here again, Stagepay offers a solution to this issue
https://stagepay.app

Thank you

I mimic all comments below, having to create multiple invoices for this is far too cumbersome for the age we live in. We need things to be simple for our customers and not create extra work for ourselves.

I'm just going to copy Michaels post below. I just cannot believe we have went through all the steps to get it set up. Reached out to all our tenants with full detail instructions on how to make payments through Xero and they cannot pay partial rent payments when they have the money on hand.

We are in the year 2024 aren't we!
This should be a simple feature already implemented so customers can pay deposits, part payments or with multiple cards.
Please hurry this process up, it's costing my business money.

Would be very convenient to able to collect a deposit on a job. We require 50% down and currently require two steps to collect the deposit and then the final amount due. Seems like an awful waste of time a leaves room for error.

We need to accept partial payments on an invoice by credit card through Stripe as well as charge the Stripe fee back to the customer for partial payments.

We are in the year 2024 aren't we!
This should be a simple feature already implemented so customers can pay deposits, part payments or with multiple cards.
Please hurry this process up, it's costing my business money.

I see this issue has been in the 'ideas' stage for almost 2 years now - it doesn't seem like a particularly technical solution to implement as many other software providers offer part payment functionality so not sure why Xero is so far behind??

Please just get it done, we don't have the time to create & reconcile multiple invoices for one simple discounted payment.