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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.

Hi @Anastasiia_Dorodnaia

As of this morning we have just deployed a major update which has full multi currency support and will use the currency settings from your Xero account.

We have also added features such as Late Fees, Early Payment Discounts, support for multi branding of invoices, more options for Invoice Stages such as fixed stage amounts along with percentage, plus new Automation features that use Xero customer groups for segmentation of invoices and workflows.

We would also love to work directly with you to help setup your account or answer any questions you may have, we have a chat widget directly in app so you can chat with us anytime.

Hope to speak to you soon

Thank you
John Hart

Stagepay

You could do this with a zapier zap.

1. Setup a stripe payment link page.
2. Create a field called reference.
Then 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.
Or use a plugin like https://wordpress.com/plugins/woocommerce-xero

@John_hart Stagepay looks like an interesting solution. However, it appears to still be in development. Is it ready for use? Is it specific to the UK, or can it support different currencies and countries?
I’m currently in a position to find something suitable to cover Xero’s gaps in accepting partial payment.
Does anyone have suggestions for an app that integrates with Xero/Stripe and allows partial payments from customers?

☹️ We’ve hit the Christmas season and offered customers coupons for discounts on their next purchase, but Xero does not allow discounts to be applied when paying through Stripe. Stripe has a coupons feature, but Xero does not. This is the modern world—this functionality should have been in place ages ago.
I’m just wondering how Xero itself is able to provide us with discounts on payments but does not allow us to do the same for our clients. Does their accounts team have "a special internal-use" version of Xero?

This inability is the number one issue I have with Xero. Why can't my clients make a 50% deposit upon invoice receipt to confirm they want my business (passenger transportation) service with full payment set to be due a set number of days before service?

I've struck this with the new Tap to Pay -when an invoice has been previously part paid and the customer wants to pay the balance showing - not allowed.

UPDATE:

Hi everyone,

I wanted to follow up and share a solution we’ve developed at Stagepay that could be beneficial for those looking to enhance how they manage payments.

Why Stagepay?

Payment Stages:
With Stagepay, you can create payment stages for your invoices, allowing clients to pay only for the specific stage that’s due by card.

Seamless Xero Integration:
Stagepay is designed exclusively for Xero, ensuring a smooth and user-friendly workflow for sending invoices.

No Subscription Fees:
There’s no subscription cost—just a small transaction fee on credit card payments.

Collaborative Beta:
We’re currently in Beta and would love to have you on board to help us shape and refine the platform. Your feedback would be invaluable in creating a tool that truly meets your needs.

If you’re interested in trying Stagepay, sign up at https://stagepay.app We’re excited to have you join us!

Best,
John Hart

We've only just set up Stripe payments specifically so that one of our larger clients can pay their invoices via credit card. We hit a snag with the very first invoice whereby their credit card limit wouldn't allow them to make the full payment and they wanted to make partial payments. We have now had to find work arounds and have been back and forth with the client about how to make alternative credit card and EFT payments. Quite unprofessional really.

There are now 123 votes here for Stripe partial payments and people are crying out for this feature. Surely this is enough to start the process moving?? I understand that both Quickbooks and MYOB allow partial payments with credit card.

Xero could you please elevate this matter with your products team?

Thank you.

Is there any update on this one?

Would be great if we could add instalment/payment plans to an invoice,

SOLUTION:

Hey Everyone,

I just thought I would jump in here and make you all aware of Stagepay. Stagepay addresses the issue of managing payment stages by allowing you to create them for your invoices. This way, customers can pay only for the specific stage that is due by card.

There is no subscription cost—just a small transaction fee on credit card payments. Stagepay is currently in Beta, and we would love your help in creating something awesome. If you're interested in using Stagepay to send your invoices, we'd be thrilled to have you onboard.

Stagepay is exclusive to Xero; we love Xero, and Stagepay works seamlessly with it to provide a user-friendly workflow for sending invoices.

Hope to hear from you all soon!

John Hart

Go to https://stagepay.app to sign up

I hate having to split invoices, it makes it such a hassle and inconveniences my clients as well. Out of all the awesome features Xero has to offer I had high hopes that that they would have this feature as well. If they don't add it soon, I will have to look into other accounting programs as we deal with lots of deposits and partial payments for construction. Just FYI QuickBooks allows partial payments through online payments on their invoices.

I've been following this suggestion since last year - nothing is done still

I desperately need the functionality of raising a deposit. I run a campsite and so bookings come in and i need to get them to pay a deposit BUT have to show their full booking details on the invoice. At the moment I add another line item as a minus so the balance is the deposit amount and then I edit it once they've paid the deposit by removing the minus line item. However, this seems to have stopped working!
Doing two invoices is crazy! and it's such a standard way of working

Repeating my workaround again from Feb 2. Hasn't changed.

I have a workaround that I have implemented this with a few suppliers now.

Ask the supplier to go into Stripe and create a buy button link
https://stripe.com/gb/payments/payment-links

Then they can create a reference field "Invoice Number"
You can pay any amount you like against the invoice

Requires a manual linking of the payment to the invoice, which is sad - but you could create a bit of automation to do that if you really wanted. Zapier could probably do it. I don't have enough to worry about it tbh.
But if you have a lot, you could:
Trigger: Payment in Stripe
Action: Find Invoice (using Stripe text field)
Action: Take invoice ID and create Payment

I created a template, just for fun here
https://zapier.com/shared/f5a28143498c8418ace7fd80d2724cd6ff7f764d

Yes, once the quote is accepted, we copy the invoice and split the amount into 2 by changing the quantity to 0.5. We add 50% Deposit, and Balance in the reference so we can decifer. Would be so much easier to have it all in one though!

Need this functionality asap! How do people work around this? Do you raise 2 separate invoices?

@xero Is this in the pipeline?

This would come in VERY MUCH for us as we want customers to be able to put down a 50% deposit on a vehicle wrap, and then pay the final 50% when they pickup their vehicle. Ran into this yesterday. Had to do a payment request direct from Stripe - pain in the butt.

OMG How I am disliking Xero as time passes. It feels like this should be, Xero trying to retain clients in this very competitive bookkeeping space instead of aggravating clients.