Payment Plans

Payment plans allow you to establish structured payment schedules for your customers, making it easy to track, collect, and manage installment payments over time. When using the Stripe integration, your clients can even make payments directly online either through their client portal or from a payment reminder email. You can also enable auto-charge to automatically collect payments on their due dates. With dashboard alerts, you are kept aware of any overdue payments to follow up with the customer accordingly.

Configuring Payment Plans

See Payments & Processing Documentation for a reference on the settings.

Creating a Payment Plan

To create a payment plan, first make sure you have created an order. See Making a Sale. Afterwards, follow these instructions:

1. Navigate to the customer's profile and scroll to the Payments section of the Overview tab
2. Click the New Payment Plan button
3. Select the order for which you want to create a payment plan
4. Configure the payment plan parameters:

• Deposit Payment Method: Initial deposit payment method
• Deposit Amount: Initial deposit amount. Tip: you can use the % buttons to automatically calculate common deposit percents.
• Payment Frequency: How often payments should occur
• Number of Payments: How many installments after the deposit
• First Payment Date: When the first post-deposit payment is due
• Auto-Charge (requires Stripe): Enable automatic charging on due dates using the customer's default card on file

5. Click Preview Payment Plan to generate the payment schedule
6. Review and make any adjustments to individual payment dates or amounts
7. Click Save Payment Plan to finalize

The system will automatically:

• Prompt you to enter the deposit amount, either through Stripe or through your external payment processor
• Create scheduled payments with Pending status for future installments, with their due dates automatically set according to the schedule

Payment Plan Management

Viewing Payment Plans

Payment plans appear within the customer's payment history, where you can see:

• The deposit payment (marked as Paid)
• All scheduled future payments (marked as Pending)
• Payment due dates
• Payment status (Paid, Pending, or Overdue)

Processing Scheduled Payments

Payment plan payments can be collected in several ways:

• Automatically by the system (requires Stripe): If auto-charge is enabled on the payment plan, the customer's default card is charged automatically on each due date. No action required from staff or customer.
• By the customer online (requires Stripe): Customers can pay via payment link (sent in reminder emails) or through the client portal.
• Manually by staff: Process the payment in-person by clicking on the pending payment. You can charge through Stripe or record a payment from an external processor.

Auto-Charge

*Requires Stripe integration

Auto-charge automatically collects scheduled payments on their due dates using the customer's default card on file.

To enable auto-charge:

1. When creating a payment plan, expand the Auto-Charge section
2. Check Enable automatic charging for scheduled payments
3. The system displays the customer's default card if one is set

Requirements:

• Customer must have a default card on file with confirmed authorization
• If no default card exists, you can still enable auto-charge—payments will be charged once a default card is added

Note: The deposit payment is always collected manually at the time of creating the plan. Only the subsequent scheduled payments are auto-charged.

Handling Overdue Payments

The system provides several visual indicators for overdue payments:

1. Dashboard Alert: The "Payments Overdue" widget shows all customers with late payments
2. Customer Profile: Overdue payments are clearly marked in the payments section
3. Reports: You can run the payments report to find overdue payments based on a specified date range

Updated on: 20/01/2026