Cart-level deposit option
The cart-level deposit option feature lets customers choose to make deposit and balance payments for line items by selecting a single button in the cart.
It's an alternative to letting customers select a deposit option on individual product pages as they add items to their cart.
This guide goes over the ideal use case, requirements, and how the feature works step-by-step.
On this page:
Ideal use case and benefits
The ideal use case for the cart-level deposit option is for offering your customers an experience like layaway. The more you treat it as a way to help people afford products without credit checks or loans, the better it works.
Some of the key benefits include:
- Seeing the amount for the whole cart lower can boost customer confidence and average order value.
- It only takes customers one click to apply a deposit purchase option, which is much less friction than selecting it for multiple products.
- It's easy for merchants to assign Downpay to all products with the whole store product option.
- If customers want to leave checkout and choose a different payment method after creating a cart, they don't have to remove and re-add products.
Requirements
- One percentage-based deposit purchase option applied to your whole store
- Messaging on your product pages indicating the deposit option is available
- You wait to ship orders until all the products are ready
How it works
This is how customers experience the feature:
- Customers see your messaging on product pages that a deposit option is available.

- They add products to their cart. There are no additional options they need to select at this point.
- They visit their cart. The deposit due only at checkouttext and subtotals do not appear at this stage.

- In the cart, they click the customizable Proceed with deposit button.
- Downpay applies the deposit purchase option to each of the line items (in this case a 50% deposit).
- When the checkout loads, it includes the subtotals and information relevant to the deposit and balance payment, just like the product-level deposit option feature.

- Customers continue to complete checkout.
- If they want to choose a different payment method before committing, they return to step 3, where they can choose a deposit option or not.
Updated on: 30/10/2025
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