Payment Plans Sell higher-priced offers with payment plans that feel easier to say yes to.

Offer deposits, installment payments, pay-in-full options, and custom schedules directly inside your checkout without sending buyers through a third-party BNPL provider.

Try Spiffy risk‑free for 30 days.

Select your payment option

Coaching intensive

Flexible checkout example

Subtotal $6,000
Due Today:

$2,000

Flexible payment options

Give buyers more ways to commit.

Build payment choices around how your offer is sold. Add installment payments, 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.

For recovery rules, see Automations. For card updates and customer self-service, see the Customer Portal.

See 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

I love how easy it is to create beautiful order forms that are geared toward conversions. I am not a coder, and within minutes I had incredible order forms.

Sarah Laws

Founder of Laws Marketing

If you're looking for a really powerful but easy to use checkout system, I think you can just stop looking right now and get Spiffy. It's that good.

Chris Thompson

at Mike Mandel

Spiffy is the easiest software tool I've ever used, and it solves the complex checkout problem. Spiffy makes collecting payments super easy and fast. I use it for all of my clients.

Tim Swart

Digital Marketer at Inbound Marketing Agents

Payment plan questions?

Need more detail before launching? Get in touch.

What can I offer with Spiffy payment plans?

You can split a purchase into deposits, installments, scheduled payments, or pay-in-full options. Those choices live directly inside checkout and can connect to automation, reporting, and customer self-service.

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. For workflow setup, see Automations.

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. See the Customer Portal.

Make bigger purchases easier to commit to.

Offer deposits, installment payments, payment plans, and pay-in-full options directly in checkout without sending buyers through a third-party BNPL provider.