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Partial.ly: The $0.4M Bootstrapped Fintech You've Never Heard Of
How a 6-person team built a payment plan alternative to Stripe and Affirm
In a world dominated by Stripe and Affirm, a tiny 6-person team is quietly building a payment plan empire with zero monthly fees. Partial.ly isn't chasing unicorn valuations—it's carving out a profitable niche by letting businesses offer payment plans on their own terms.
"Partial.ly proves you don't need venture capital to build a sustainable fintech—just a laser focus on solving one painful problem for businesses."
The Bootstrapped Reality
With just 6 employees generating $400K in revenue, Partial.ly operates at a remarkable $67K revenue-per-employee ratio. While this isn't SaaS unicorn territory, it's a sustainable, profitable business that doesn't rely on investor money or aggressive growth tactics. Their 57% direct traffic suggests a loyal, returning customer base that values their no-monthly-fee model.
The Traffic Paradox
Here's the fascinating contradiction: Partial.ly ranks for 'partially' (14,170 monthly searches) but that's a generic English word. Their actual brand terms ('partial.ly payment plan' at 200 searches) reveal their real market position. This suggests they're either capturing accidental traffic or have a broader SEO challenge—brand awareness is low despite decent visit numbers.
The tech stack tells a story of pragmatic choices: Tailwind CSS, Bootstrap, OpenCart integrations, and payment partnerships with Klarna and Afterpay. They're not reinventing the wheel—they're building on proven technologies to deliver a focused payment plan solution. The PWA implementation shows they care about mobile experience, critical for businesses offering plans to consumers on-the-go.
- Free signup with no monthly fees—unusual in the payment space
- Direct traffic dominance suggests strong product-market fit
- Trustpilot rating of 2.5/5 from only 10 reviews indicates early-stage reputation challenges
- Integrates with existing payment giants (Klarna, Afterpay) rather than competing directly
- Hyper-focused team composition: CEO, co-owner, and lead developer as key people
The Anti-Startup Playbook
Partial.ly isn't trying to be the next Stripe. They're building a profitable, focused business that serves a specific need without chasing scale for scale's sake. In an era of 'growth at all costs,' this 6-person team is quietly proving that sustainable fintech can exist without venture capital.
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https://static.partial.ly/images/OpenGraph-Image-c60e630f.jpg
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Payment Plan Software
Partial.ly payment plan software lets businesses offer customizable payment plans to their customers. Free signup and no monthly fees.
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Partial.ly
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Reviews (10)
I made a purchase with Cosatto using…
I made a purchase with Cosatto using Partial.ly payments. I was making regular payments sometimes before they was due, it was very easy to manage this online. My payment plan was meant to end in September, however I managed to pay it off by June. My order was shipped and delivered within 5 days of my paying it all off. I had no problems using this service, but after reading some reviews on here I would only use Partial.ly again with a company I would trust.
Awful, stress causing company.
Got product from Instasmile and they use this company to take out monthly payments. My payments were coming out of my account for the 1st three months then nothing on the 4th. They emailed saying they had multiple failed attempts. There is nothing from my bank showing they even Attempted to take money out not even once I messaged them to fix it up and the link they sent didn't work then a few days later i received an email from Instasmile saying my debt has been sent to a third party. Very stressful situation. Update: account was fixed, its not set up as a direct debit they just take out of your card on a monthly basis, the banks think its a scam. would be better if a direct debit was set up instead to avoid any issues
Hi Cathriona, thank you for sharing your experience, and we’re glad things were resolved. For future reference, you can pay using either a card or a bank account (direct debit) at checkout — both options are supported. We appreciate your feedback and are always working to make payments smoother. If you ever need help updating your payment method, please contact [email protected] anytime. — The Partial.ly Team
Trying to login into my account and see…
Trying to login into my account and see when my next payment is due and now all of a sudden the login page isn’t working and is trying to force me to download something instead of logging in. Either let me in or I’m reporting you for fraud and getting f my money back after spending almost $3,000 already! 😡😡😡
Partial.ly and toyswonderland a scamming tag team.
Asked if they could help with refunds from toyswonderland Amanda said no problem we can refund you those. Maybe 3 of the 10 figures were refunded even though she said 5 on one day and the rest tomorrow. She asked if I could remind her the next day(makes no sense not refunding all in one day). Next day comes So I asked as she requested but her response completely changed from wanting to help me with the refund to trying to convince me they have changed and hired help. I questioned this and then she blocked my account that i was holding with toyswonderland. Now toyswonderland know partial.ly won't help me I have been chucked under the bus. Sticking together like a scamming tag team.
Partial.ly is Absolute GARBAGE!!
Partial.ly is Absolute GARBAGE!! They consider themselves middle men only. If you have a problem with the actual seller, They will NOT help you at all. They will tell you take it up with the merchant and if it's the merchant that is doing the screwing, you will get ZERO money back from Partial.ly! I am right now trying to get lots of money back from my credit card company cause Partial.ly told me they are not responsible for the merchant. So, ANYONE reading this......YOU ARE NOT PROTECTED BY PARTIAL.LY!! YOU WILL GET NO REFUND AND NO HELP FROM THEM!! THEY HAVE NO PHONE NUMBER OR EVEN A LOCATION LISTED ANYWHERE! ALL YOU GET IS AN E-MAIL AND THEY WILL TAKE A WEEK AT A TIME TO RESPOND BACK IF THEY CHOOSE TOO!! STAY AWAY FROM PARTIAL.LY!! YOU HAVE BEEN WARNED!!
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About partial.ly
Partial.ly payment plan software lets businesses offer customizable payment plans to their customers. Free signup and no monthly fees.
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Technology Stack
partial.ly uses 20 technologies across their website including Google Fonts, HSTS, Squarespace, and more.
Fonts
Google Fonts
Security
HSTS
CMS
Squarespace
CDN
unpkg
Advertising
DoubleClick Floodlight, Google Ads
Scheduling
Calendly
Traffic & Audience
partial.ly receives approximately 72.5K monthly visitors and ranks #426,318 globally. The website has a bounce rate of 44% with visitors viewing an average of 3.1 pages per visit. Users spend an average of 1:07 on the site.
The majority of partial.ly's traffic comes from undefined, undefined, .
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This page provides publicly available information about partial.ly. Data is collected from various public sources and may not always be up to date. For the most accurate information, please visit partial.ly directly at https://partial.ly.