# Payment Plans Offer deposits, installments, pay-in-full options, and flexible payment schedules directly inside your checkout. Offer deposits, installments, pay-in-full options, and custom schedules directly inside your checkout without sending buyers through a third-party BNPL provider. [Get Started](/pricing/) [Learn More](#payment-plan-options) Try Spiffy risk-free for 30 days. Select your payment option 3 payments of $2,000 $1,000 + 4 payments of $1,250 Save $1,000 Single payment of $5,000 Coaching intensive Flexible checkout example Subtotal $6,000 Due Today: $2,000 +2 monthly payments Flexible payment options ## Give buyers more ways to commit. Build payment choices around how your offer is sold. Add installments, deposits, pay-in-full discounts, and option-specific automations without rebuilding the checkout. ### Payment plans for higher-ticket offers. Let customers split a purchase into clear installments over the timeframe you choose. 3 payments of $499 ### Deposits plus scheduled installments. Collect an upfront deposit, then charge the remaining balance on the cadence that fits the offer. $997 + 4 payments of $397 ### Pay-in-full discounts without a workaround. Present the installment path next to a discounted single payment so buyers can choose what fits. 3 payments of $1,999 Save $1,000 Single payment of $5,000 ### Trigger the right follow-up from the selected option. Give pay-in-full buyers a bonus, send installment buyers into the right onboarding, or tag customers based on the payment choice they make. - Start a bonus delivery workflow - Apply tags by payment option - Route buyers into plan-specific onboarding - Pass purchase actions into connected tools Billing automation ## Keep installments moving without manual chasing. Use billing events and payment recovery tools to follow up when an installment fails, a card is expiring, or a customer needs to update their payment method. Automate reminders, retry logic, and customer update flows so payment plans can keep moving without turning every missed installment into support work. [See Billing Automation](https://university.spiffy.co/automation/billing-automation/) ### Helpful payment-plan events Keep follow-up focused around the moments that affect installment revenue. - Failed installment - Card expiring - Upcoming payment - Payment recovered - Plan completed Automatic failed payment recovery Send reminders and let customers update their card before revenue sits open too long. Revenue visibility Track outstanding balances and scheduled payments so cash flow is easier to understand. Payment plan management ## Manage active plans after checkout. Payment plans need more than a checkout option. Track progress, review payment history, handle missed installments, and make practical adjustments when a customer needs help completing the plan. ### Core management actions - Installment tracking Monitor progress across completed, upcoming, and missed payments. - Schedule changes Adjust timing when a plan needs to move without rebuilding the sale. - Early payoff Let customers complete a remaining balance when they are ready. - Payment method updates Keep cards current through the dashboard or customer self-serve flows. ### What you can keep an eye on - Upcoming schedules - Payment history - Missed payments - Revenue forecasting ## Payment plan questions? Need more detail before launching? [Get in touch](mailto:support@spiffy.co?subject=Spiffy%20Payment%20Plans%20question). Can I combine a deposit with a payment plan? Yes. You can collect an upfront deposit and schedule the remaining balance across future installments. What happens if an installment fails? Spiffy can help with retries, failed-payment reminders, and customer payment method updates so recovery does not have to be handled manually. Can I set custom intervals and lengths? Yes. You can choose the payment frequency, number of installments, and schedule that fits the way you sell the offer. Can customers change payment methods mid-plan? Yes. Customers can update payment methods through self-serve flows, and your team can manage payment details from the dashboard when needed. ### Make bigger purchases easier to commit to. Offer deposits, installments, and pay-in-full options directly in checkout without sending buyers through a third-party BNPL provider. [Get Started](/pricing/)