Set up payment-plan templates, manage a contact's instalment plan, and see what your contacts experience on the portal.

How payment plans work#

A payment plan lets a contact clear a bill in smaller instalments instead of paying it all at once. Plans are interest-free — the invoice amount is split across the instalments, with nothing added on top. The total your contact pays is exactly what they owed.

This guide has three parts:

• Part 1 — Set up payment plan templates (your team).
• Part 2 — Manage a contact's payment plan (your team).
• Part 3 — What your contact sees (so you know what you're offering them).

Part 1 — Set up payment plan templates#

A template is a reusable set of rules — how often instalments fall due, how many there are, and which bills qualify. You build a template once, and it can be offered on any matching invoice.

Before you start#

• You need an admin role with the Settings permission. If you can't see Settings in the sidebar, ask your account admin.
• To collect a card down payment, your Stripe account must be connected (Settings → Payments). Without it, contacts can still be offered a plan and pay by bank transfer.

1. Turn payment plans on#

1. In the sidebar, open Settings → Payments.
2. In Payment configuration, switch on Allow payment plans on the portal.
3. Pick a Default payment plan — the template offered automatically. (Create it first in the next step, then come back and select it.)
4. Click Save.

Payment plans are switched on by default for new accounts, so this may already be done.

2. Create a plan#

1. Open Settings → Payment plans.
2. Click New plan and fill in:
   • Name — what you'll recognise it by, e.g. Standard 3-month plan.
   • Cadence — how often instalments fall due: weekly, fortnightly, or monthly.
   • Installments — how many payments the bill is split into (between 2 and 24).
   • Minimum down payment — how much of the bill must be paid up front, as a percentage. Set 0 if no deposit is required.
   • Minimum invoice amount — the smallest bill this plan can be offered on.
   • Maximum invoice amount — the largest bill this plan can be offered on. Leave it blank for no upper limit.
   • Valid from / Valid until (optional) — only offer this plan during a set date window. Leave blank to keep it always available.
   • Set as default — offer this plan automatically. Only one plan can be the default at a time.
   • Active — when off, the plan is hidden from contacts but kept for later.
3. Click Save.

Invoice size limits decide which plan a bill qualifies for. A contact is only offered plans whose minimum/maximum range covers their invoice amount.

3. Preview before you offer it#

Click the calculate (calculator) icon on a plan to preview a sample breakdown — it shows an example bill split into instalments with their due dates and amounts, so you can sanity-check the schedule.

4. Edit or remove a plan#

• Edit — the pencil icon reopens the plan with its saved values; change anything and Save.
• Active toggle — flip a plan off to stop offering it without deleting it.
• Delete — the trash icon removes the template. Plans already running on a contact's invoice are not affected.

Plans are interest-free. The instalments always add up to the original invoice amount — there's no interest or finance charge.

Part 2 — Manage a contact's payment plan#

Once a contact is on a plan, you can track and manage it.

Open a plan#

1. Open Payment plans in the sidebar.
2. You'll see every contact's plan with its status. Use the status filter (All / Active / Completed / Defaulted / Cancelled) to narrow the list.
3. Click a plan to open its detail page.

Read the schedule#

The detail page shows:

• A status badge — Active, Completed, Defaulted, or Cancelled.
• Summary cards — Total amount, Per installment, Progress (how many instalments are paid), and the Next payment date.
• The instalment schedule — each instalment with its number, due date, amount, and status:
  • Paid — the instalment is fully covered.
  • Upcoming — not yet due.
  • Overdue — past its due date and not fully paid.

How instalments get marked paid#

• Automatically — when a payment comes in for the exact instalment amount, it's matched and the instalment is marked Paid without you doing anything.
• Manually — when a payment needs review (for example a lump sum or an amount that doesn't line up cleanly), you confirm which instalment it covers, and the schedule updates.

Reminders go out automatically#

Your contact is reminded about each instalment on a set rhythm — you don't need to chase them:

• 3 days before the instalment is due.
• On the due date.
• 1 day after, if it hasn't been paid.
• 3+ days after, if it's still outstanding.

When a payment is missed#

If an instalment passes its due date unpaid, it turns Overdue on the schedule and the contact gets a missed-payment notice. The plan stays active — it isn't cancelled or marked defaulted automatically. You decide what to do next:

• Cancel plan — stops the plan (you're asked to confirm).
• Mark as defaulted — flags the plan as broken, typically after repeated misses (you're asked to confirm).

Part 3 — What your contact sees#

Your contact never logs in. They open the secure pay link you send and do everything from there.

1. Open the link. They see your branding, the invoice, and what they owe.
2. Choose a plan. On the invoice they tap View payment plans to see the instalment option.
3. Review the schedule. They see each instalment, its date, and its amount — adding up to the full invoice, interest-free.
4. Agree and accept. They tick I agree to the plan terms, then tap Accept plan.
5. Pay the down payment (if your plan requires one). They enter their card details and pay the deposit. The remaining instalments follow the schedule.
6. Confirmation. They see the plan confirmed, with the first instalment's date and amount.

Card payments need your Stripe account connected. If you've entered bank details instead (Settings → Payments), contacts see bank-transfer instructions for their instalments.

Related#

• How to use the payment portal — connect Stripe, brand your page, and send pay links.