Payment plans allow you to pay outstanding amounts over several installments.
In Configuration → Payments → Payment Plans, you set up the default rules and automation that determine how payment plans are created, tracked, and collected.
This configuration is only available if the Payment Plans feature is enabled for your organization. If not, you'll see a message explaining how to enable this feature.
Correctly setting up payment plans is important to:
to use consistent repayment agreements
to limit the risks of default
to inform customers in a timely manner about changes and reminders
What does this part show?
The Payment Plans page shows all configuration parameters in one editable form.
The settings are grouped by topic and consist of:
a title of the institution
a brief explanation
an input field (checkbox, number, or amount)
After adjusting settings, changes must be explicitly saved via Save.
Automation
This component determines the automatic behavior of payment plans during their term.
Institutions
Require Approval (default: off)
Enabled: New payment plans are created in Draft and require manual approval
Disabled: Payment plans can be activated immediately
Auto Cancel (default: on)
Enabled: The payment plan will be automatically cancelled once an installment is overdue.
Disabled: Payment plans remain active until manual cancellation
Automatic recalculation (default: off)
Enabled: remaining installments are recalculated for early payments
Disabled: Payments are still processed, but installments remain unchanged
Send communication on recalculation (default: on)
Automatically sends an email or letter when recalculated
Only applicable if automatic recalculation is enabled
Standard creation
These settings determine when and how a new payment plan can be created.
Institutions
Minimum amount (standard: £50.00)
Minimum total amount for which a payment plan may be created
Lower amount → plan is created as Draft and requires approval
Maximum term (months) (default: 12)
Maximum duration of a payment plan
Exceedance → plan in Concept
Number of days late (default: 7 days)
Number of days after the due date before an installment is considered late
Range: 1–365 days
With active automatic cancellation, the plan will be cancelled once this limit is reached
Minimum final payment (standard: £5.00)
Prevents very small final payments
The system automatically adjusts the terms if necessary
Number of terms (default) (default: 6)
Used when the system cannot make a better suggestion
For example, when no clear invoice frequency is available
Collection
This section determines when installments are prepared for direct debit.
Setting
SDD collection preparation (standard: 1 day)
Number of days before the due date on which an installment is prepared for SEPA Direct Debit
Must be 0 or higher
Example
Expiration date: January 10th
Setting: 1 day
Ready for collection: January 9
Reminders
These settings determine when reminders are sent for payment plan installments.
Institutions
Send reminder
Activates reminders for payment plans
Number of days (default: 3)
The number of days before or after the expiration date
Timing (default: after due date)
Before expiration date: reminder in advance
After due date: reminder for late payment
Reminders are only sent when:
reminders are enabled on the payment plan
the customer has a valid email address or postal address
Behaviors & Logic
Changes are immediately active after saving
Settings apply to:
new payment plans
existing payment plans that have automation (such as cancellation or reminders)
Existing payment plans:
are not recalculated when changing creation rules
retain their current structure unless automatic recalculation is active
Problem | Solution |
Payment plans not visible | Check if the feature is activated |
Minimum amount is ignored | Only applies to new plans |
Overdue days = 0 | Not allowed; range is 1–365 |
No reminders sent | Check customer details and reminder settings |
Why don't I see this page?
The Payment Plans feature is not activated.
Why do existing plans remain active below the minimum amount?
The rule only applies to new plans.
Can I send reminders before and after the due date?
No, you choose one timing.
Is a customer always informed when a recalculation takes place?
Only if communication on recalculation is enabled.
What happens if the maximum term is exceeded?
The plan is created as a Draft and requires approval.
When is a payment considered 'early'?
This depends on the payment frequency and the relationship to the due date.
Payment plan – Agreement to pay an amount in multiple installments
Term – One payment within a payment plan
Draft Status – Payment plan not yet active
Overdue – Term whose due date has passed
SDD – SEPA Direct Debit
Automatic recalculation – Adjust remaining terms in case of early payment
Reminder – Notification about upcoming or overdue deadline