Payment plans
Payment plans
Section titled “Payment plans”Split a large invoice — like a $3,000 birth-package deposit — into 2, 3, or 6 automatic monthly installments. The client’s card is charged on schedule without you having to chase them.
How payment plans will work
Section titled “How payment plans will work”When creating an invoice, you’ll see a Payment plan option with four presets:
| Plan | Installments | Example on $3,000 |
|---|---|---|
| Pay in full | 1 | $3,000 once |
| 2-month plan | 2 | $1,500 × 2 monthly |
| 3-month plan | 3 | $1,000 × 3 monthly |
| 6-month plan | 6 | $500 × 6 monthly |
The client pays the first installment to activate the plan. Subsequent installments auto-charge the same card on the same day each month.
What your client sees
Section titled “What your client sees”The first payment email looks like a normal Quilted Pay invoice, with one addition: the payment page shows the full plan (for example, “Payment 1 of 3, next charge on May 15”).
After the first payment, the client receives email receipts for each subsequent installment but doesn’t need to take any action.
If an installment fails
Section titled “If an installment fails”If a client’s card is declined on an installment — expired card, insufficient funds, etc. — Stripe automatically retries per its standard dunning schedule (3 attempts over 7 days). You’ll see a needs attention badge on the invoice.
If retries exhaust without success, the plan pauses and you can contact the client to update their payment method.
Early payoff
Section titled “Early payoff”Clients can pay their remaining balance in full at any time from the payment page. When they do, the schedule ends early — no further charges.
Canceling a plan
Section titled “Canceling a plan”You can cancel a plan at any time from the invoice detail page. Remaining installments stop; the outstanding balance becomes a separate open invoice you can void, write off, or re-invoice later.
Fees on payment plans
Section titled “Fees on payment plans”Each installment is charged the same per-payment fee as a one-time payment (see Overview for rates).