A payment plan is used to collect an outstanding amount from a customer in multiple installments.
This can be used when customers have payment problems, when a payment agreement has been made, or when a debt collection procedure requires a staggered collection.
Within the Collection entity you can:
Create payment plans
Manage and track deadlines
Carry out direct debits
Send payment reminders
Pause, resume, or cancel plans
Payment plans are fully compatible with transactions, collections, and payment methods (SDD/SCT).
💡 Payment plans reduce administrative follow-up and increase the chance of successful collection.
Overview of a payment plan
The overview contains the most important data:
Total amount
Remaining
Number of terms
Number paid / number total
Progress
Plan status (e.g. Active, Overdue, Paused)
When you open a payment plan, you will see a detailed full overview consisting of:
Timeline
Details
Transactions
Institutions
Custom properties
Configure payment plans
Location: Configuration → Payments → Payment Plans
How is a payment plan structured?
A payment plan splits a total amount into multiple installments.
This can be done in two ways:
1. Based on number of terms
For example, you choose 6 monthly installments.
The system automatically calculates the installment amount
Rounding differences are processed in the final installment
2. Based on installment amount
For example, you choose:
“€150 per term”
The system calculates how many installments are needed
The final installment may be slightly lower due to rounding
Create payment plan
You can create a payment plan from:
A debt collection file
The general list of “Payment Plans”
A transaction overview
When creating, please fill in:
Customer
Customer
Payment method:
SDD (direct debit)
SCT (manual transfer)
Add to payment plan
Select invoices/collection cases
Transactions
Payment follow-up
Divide the payment by
Start date
Amount per term
Number of terms
Period
Total
Advanced configuration
Minimum amount for the final installment
Payment frequency
Set as overdue
5. Set reminder
Here you have the choice of:
E-mail
E-invoicing
No
Change payment plan
If you make changes while creating your payment plan, such as adjusting the number of installments, the plan will be saved as a draft. This way, you can review it later and, after approval, start it.
Concept plans (in preparation)
Fully customizable:
Frequency
Term amounts
Number of terms
Start date
Payment method
Communication
Active plans
Limited changes:
Overdue tolerance
Communication preferences
Pause / resume
Terms and amounts cannot be adjusted after activation.
Automatic recalculation
If organizational settings allow this:
In case of early payment (e.g. > 7 days early), remaining installments are automatically rescheduled.
Payment plan statuses
Plan status | Meaning |
Draft | Not yet activated |
Active | Plan has started |
Due | One or more terms have expired |
Collection in Progress | SDD collections are being carried out |
Overdue | Terms are expired and unpaid |
Paused | Temporarily paused |
Completed | All installments paid |
Cancelled | Plan terminated (reason required) |
Automatic actions
Memories
When enabled:
1 reminder per term
Sent by Overdue
Can be done by email or post
No SMS support
Automatic cancellation
A payment plan will be automatically cancelled when:
The overdue tolerance is exceeded
Terms remain unpaid for long periods
Unpaid installments will then be Skipped.
Chargebacks (Reversals)
In case of a refunded payment:
The payment is decoupled from installments
The most recently paid installment will be reopened first
Status changes back to Overdue or Due
The outstanding amount is increased
Communication and logging
All actions are logged under the payment plan itself:
History of memories and communication attempts
Any errors during sending (e.g. email error or PDF error)
Payment status per term
Settings apply per organization.
Parameters are automatically created with default values if they are missing.
The feature flag must be active to access the functionality.
Communication scenarios are automatically provided with standard templates upon initial setup.
Changes only apply to new payment plans; existing plans will not be automatically updated.
Reminder settings can also use negative values (reminder before due date).
Situation | Behavior |
Plan does not change | Only draft plans are fully editable |
Term not assigned to payment | Check link in transactions |
Reminder not sent | Term has already received a reminder |
Plan remains overdue | Payment not linked or failed |
Can I change the number of terms after activation?
No, only in the draft phase.
Can a customer voluntarily pay more?
Yes, the surplus will automatically be added to the next term.
Can I pause a plan?
Yes, with a mandatory break reason.
Can multiple collection files be linked?
Yes, plans can be visible in multiple files.
What if the direct debit fails?
The deadline is marked as Failed. You can try again.
Payment plan: Repayment schedule over multiple installments
Term: A partial payment within the total plan
SDD / SCT: Direct debit / manual transfer
Reversal: Payment reversal
Overdue: Not paid on time
Draft / Active / Completed: Main plan statuses