Payment Plans

A payment plan splits a customer's outstanding invoices into scheduled installments that are charged automatically. This sub-section holds a record of every payment plan on your account.

Each plan is a clickable card showing the next payment date, a progress marker for each installment, and the status. Click it to open the sidebar, which holds the Payment Plan ID, Total Plan Amount, Status, Created On, Created By, a link to the customer, the Payment Method, the related invoices, and the full Payment Plan Schedule with each installment's amount, date, and paid state.

• Sent. The plan has gone to the customer but has not been approved yet. Nothing is charged until they approve.

• Active. The customer approved the plan. Installments process automatically while any remain outstanding.

• Completed. Every installment has been paid.

• Cancelled. The plan was canceled, either by your team or automatically because the customer did not approve before the first installment date. Future installments are not processed.

• Failed. An installment payment failed. No further installments are attempted, and a failed plan cannot be canceled or restarted. Check the underlying payment in the Payments section for the failure reason, then create a new plan for the remaining balance. A failed plan also blocks a payment request on those invoices, so contact support if you need to collect that way instead.

A chargeback can also move a plan. A chargeback on an installment that has already been paid moves the plan to Canceled. A chargeback while the payment is still in process moves it to Failed.

Creating and canceling plans requires the Manage Payment Plans permission. Without it, the menu option and the cancel button appear greyed out. An admin on your team can grant it under Settings > Company > Team Management.

Select the invoices from the Outstanding Invoices table, in either the Invoices or Customers section.

1. Multiple invoices. Select them, click More at the bottom right of the screen, then click Payment Plan.

2. A single invoice. Hover over the row, click the three dots on the right side, then select Payment Plan.

3. From an invoice. Open the invoice sidebar and use the More button there.

1. Select the payment method. Choose one of the customer's saved methods or add a new one. Your customer cannot change the payment method when they approve.

2. Click + Add Installment to add installments, and use the delete icon to remove one.

3. Adjust the installment dates and amounts.

4. Click Add Payment Plan.

Four rules the form enforces:

1. Installments must total the full outstanding balance of the selected invoices, exactly. No partial plans are allowed, and credits, deposits, and discounts cannot be applied within a plan.

2. Every installment must be dated tomorrow or later, and no two installments can share a date. The first defaults to tomorrow, and each additional one defaults to a week later.

3. Negative invoices cannot be included. Remove them to continue.

4. You can't edit a plan after it is created. To change one, cancel it and create a new plan.

Installments are processed overnight on each installment's date, at roughly 3 AM ET during daylight saving time and 2 AM ET during standard time.

If a previous installment payment is still pending when the next installment comes due, that installment is not attempted that night. This mostly affects ACH, which takes 2 to 5 business days to settle.

Invoices on a payment plan are marked with a green clipboard in the activity icon column of the invoices table. They are also excluded from autopay, since the plan is what collects them.

Every payment plan has to be approved by the customer before anything is charged. This reduces chargeback risk. You cannot approve a plan on your customer's behalf.

When you create the plan, Suppli emails the customer's primary contact and billing contact a request to approve, including the full schedule, the payment method, and any convenience fee. If neither role is set on the customer, nobody receives it. A text message is also sent if SMS notifications are enabled on your account and the recipient has a phone number on file.

Your customer can approve from the link in the email without logging in, or from the Payment Plans section of their portal. The approval screen shows the schedule, the payment method, and the convenience fee before they confirm.

Plans awaiting approval show Sent. Approved plans show Active.

Suppli also sends your customer a reminder the day before each installment is charged.

If a plan has not been approved by the time its first installment is due, Suppli cancels it automatically. Nothing is charged, and the customer is notified. The invoices are then free to go on a new plan.

The Payment Plan option is always visible. When the selection is not eligible, it is greyed out, and hovering over it tells you why.

Two things that do not block a plan:

1. A canceled or failed plan. The same invoices can go straight onto a new plan. This is the answer when a plan fails, and you need to restart it.

2. An active Promise to Pay. An invoice with a P2P can still go on a payment plan. The reverse isn't true, since a plan blocks a new P2P.

Depending on your payment settings, plans paid by card may carry a convenience fee. This is a separate setting from the card fee on regular payments, so you can charge one without the other. When a fee applies, it is calculated per installment and shown to your customer both in the approval request and on the approval screen.

You can cancel a plan while it is Sent or Active. Open the plan and click Cancel Payment Plan in the sidebar.

Once canceled, future installments are no longer processed, and your customer is notified. Payments already processed are unaffected.

If an installment payment is in flight when you cancel, that payment is not stopped. The plan is flagged for cancellation and flips to Canceled once that payment settles, which with ACH can take several business days.

Email support@gosuppli.com with the customer name and the payment plan ID. If a plan failed and you need to rebuild it, confirm the remaining balance on the invoices first, since the new plan has to match it exactly.