Commerce Panel → Sales Channel (select application) → Configuration → Payments → Flexible payment options → Split Payment → Storefront [tab]
Split payments let customers pay for a single order using multiple payment transactions instead of paying the full amount in one transaction. You can configure how split payments work, define payment restrictions, choose the payment methods available for each payment, and manage refund behaviour. You can configure split payments independently for:
- Store OS(coming soon)
- Storefront
Changes made to one channel do not affect the other.
Before configuring split payments, ensure that:
- You have permission to manage payment settings.
- Payment methods are already configured in your account.
- The payment methods you want to use are enabled.
Now, select the Storefront tab to configure split payments for Storefront orders.
The Enable Split Payments for Storefront toggle controls whether customers can use split payments while placing Storefront orders.
- Turn on Enable Split Payments for Storefront.
- Select Save.
After you enable the feature, the remaining configuration sections become available.
The Split Configuration section defines how Storefront split payments behave.
Use Maximum Transactions Allowed to define the maximum number of payment transactions a customer can use to complete a Storefront order.
For example, if you set the value to 3, customers can complete the order using up to three separate payments. Choose a value that aligns with your checkout experience.
Split Transaction Inactivity Timeout defines the maximum period a split payment can remain inactive before it is cancelled automatically. You can choose:
- A predefined timeout value.
- Custom to specify your own duration.
- No limit to allow the split payment to remain active until it is completed manually or another business rule applies.
When you select Custom, enter:
- The timeout value.
- The time unit.
If the configured timeout expires before the customer completes the remaining payment, the split payment is cancelled automatically and the collected payment is refunded.
Split restrictions determine the minimum amount customers must pay during every split payment. Only one restriction method can be active at a time.
Select Minimum Amount Per Transaction to specify a fixed minimum payment amount.
Enter the minimum amount that customers must pay in every payment. The remaining balance is recalculated after each successful payment.
Order value: ₹1,500 Minimum amount: ₹300 Customers must pay at least ₹300 in every payment until the order is completed.
Select Percentage of Total Order Value to define the minimum payment as a percentage of the order value. Enter the required percentage. The remaining balance is recalculated automatically after every successful payment.
Order value: ₹1,500 Minimum percentage: 25% Each payment must be at least ₹375 until the remaining balance changes.
Configure either Minimum Amount Per Transaction or Percentage of Total Order Value as the eligibility criterion for split payments. Only one option can be configured at a time.
The Payment Modes for Splits section lets you control which payment methods customers can use during Storefront split payments. Payment methods are organised into:
- Online Payments
- Offline Payments
For every payment method, configure the following options:
| Setting | Description |
|---|---|
| First Payment | Makes the payment method available for the customer's first payment. |
| Remaining Payments | Makes the payment method available for subsequent payments. |
Select the Online Payments tab. Enable or disable payment methods for the first payment and remaining payments as required. Available payment methods can include:
- Pay Later
- Card
- Net Banking
- Wallet
- UPI
- UPI QR
- Cardless EMI
- Payment Link
- Checkout
- JioOnePay
- JioPP Link
- Store Credits
- Payment Link Page
Configure each payment method according to your business requirements.
Select the Offline Payments tab.
Storefront currently supports only Cash on Delivery (COD) as an offline payment method for split payments.
You can configure COD for:
- Remaining Payments
The First Payment option is disabled because Cash on Delivery cannot be used as the first payment in a split payment flow.
Cash on Delivery (COD) cannot be configured as the First Payment method. This is a system validation and cannot be changed.
Refunds for Storefront split payment orders are managed through the Refund Management module. In the Manage refunds section, select Go to Refund Management.
For more information about refund rules and configuration, see Refund configuration.
After you finish configuring Storefront split payments:
- Review your settings.
- Select Save.
The updated configuration is applied to future eligible Storefront orders.