Getting paid over time, at every location.
How-tos, calculators and rule changes for businesses whose customers pay in installments.
One LLC per location, or one for all? What changes for your payments
The legal side is for your attorney and CPA. The payments side is simpler, and it's worth knowing before you decide.
Latest
6 in this editionACH fees: what processors charge a business for bank payments
Five processors' published ACH rates side by side, what they add up to on a $14,800 plan and a $30,000 plan, and the failed-payment and dispute fees that sit beside them.
Plan itQuickBooks payment plans: four ways to bill in installments
Recurring invoices, recurring payments, a partial payment or Affirm. What each QuickBooks option does with a real plan, and where it stops.
Keep more of itIs it legal to charge credit card fees? The card rules and the state laws
What Visa and Mastercard require before you add a card fee, the states that ban, cap or reshape it, and what to put on an invoice or a plan schedule.
HubSpot and PipedriveHubSpot subscriptions: how recurring billing works in HubSpot
The subscriptions tool is on every HubSpot plan. What it needs to charge a card, how the number of payments works, what happens when a card fails, and how it fits with quotes and invoices.
Plan itHow to offer financing to customers
Three ways to let customers pay over time, run through one $14,800 sale: how each pays you, what it costs, who carries the risk and which rules apply.
HubSpot and PipedriveCRM with invoicing: which CRMs bill from the deal, and what each one collects
Invoicing in the CRM can mean a document, a payment or an entry in the books. What HubSpot, Pipedrive, Salesforce, Zoho CRM, monday CRM and Keap each do, from their own docs.
Farriers, luthiers and divers: six trade programs you didn't know you could take
Horseshoeing in eight weeks, a guitar in five months, violins in three years. Six real trade programs and how long each one takes.
ACH fees: what processors charge a business for bank payments
Five processors' published ACH rates side by side, what they add up to on a $14,800 plan and a $30,000 plan, and the failed-payment and dispute fees that sit beside them.
Plan itQuickBooks payment plans: four ways to bill in installments
Recurring invoices, recurring payments, a partial payment or Affirm. What each QuickBooks option does with a real plan, and where it stops.
The Back PageFarriers, luthiers and divers: six trade programs you didn't know you could take
Horseshoeing in eight weeks, a guitar in five months, violins in three years. Six real trade programs and how long each one takes.
Keep more of itIs it legal to charge credit card fees? The card rules and the state laws
What Visa and Mastercard require before you add a card fee, the states that ban, cap or reshape it, and what to put on an invoice or a plan schedule.
HubSpot and PipedriveHubSpot subscriptions: how recurring billing works in HubSpot
The subscriptions tool is on every HubSpot plan. What it needs to charge a card, how the number of payments works, what happens when a card fails, and how it fits with quotes and invoices.
Plan itHow to offer financing to customers
Three ways to let customers pay over time, run through one $14,800 sale: how each pays you, what it costs, who carries the risk and which rules apply.
HubSpot and PipedriveCRM with invoicing: which CRMs bill from the deal, and what each one collects
Invoicing in the CRM can mean a document, a payment or an entry in the books. What HubSpot, Pipedrive, Salesforce, Zoho CRM, monday CRM and Keap each do, from their own docs.
Plan itHome improvement financing for contractors: a lender program or your own payment plan
Who approves the homeowner, when you're paid, what each route costs on one $14,800 HVAC job, and when your own plan starts to count as lending.
Plan itBuy now, pay later for business: what the merchant gets and gives up
How BNPL pays a business, what Affirm, Klarna, Afterpay and others charge and allow through Stripe, and where an in-house plan fits instead.
Plan itQuote to cash software: what it covers, the kinds of tools, and what to ask in a demo
Quote, approval, signature, invoice, payment, collection, revenue and the books. Which kind of tool covers which steps, and the questions that show the gaps before you sign.
Run every locationQuickBooks Online with multiple companies: billing each one from one CRM
QuickBooks gives each entity its own company. Sales still runs from one HubSpot or Pipedrive portal. Here's how each deal's invoice and payment get to the right file.
Keep more of itPassing credit card fees to clients on a high-ticket program
On a $10,000 coaching or consulting program, the card fee is a few hundred dollars per client. What it costs, what the checkout tools say, what the rules ask and what bank transfer saves.
HubSpot and PipedriveSeveral legal entities in one HubSpot portal: quotes, invoices and payments
The questions RevOps teams ask in the HubSpot Community when one portal sells for several companies, answered from HubSpot's own knowledge base.
Plan itDeposit, then the balance: setting up a high-ticket program's payment plan from the CRM deal
The closer gets a yes on the enrollment call. Then someone rebuilds the deal by hand in Stripe or the cart. How to set the plan up from the deal instead, worked on one $10,000 program.
Run every locationMulti-entity accounting software: what it does, and what it leaves out
The accounting software keeps each entity's books and combines them. Getting each customer's payment into the right entity's account in the first place is a separate job.
HubSpot and PipedriveHubSpot Xero integration: what syncs and what doesn't
Contacts, products, invoices and the payments on them move between the two. Card fees, tax and one Xero organisation per location need a closer look.
HubSpot and PipedrivePipedrive Xero integration: how deals become Xero invoices
Pipedrive's own invoicing names QuickBooks. For Xero, a Marketplace app turns the deal into an invoice or a quote. Here is what that covers.
HubSpot and PipedriveHubSpot Brands, business units and multi-account management
Several businesses or locations in one HubSpot portal, or a portal for each. What each setup covers, what it costs in subscriptions, and where the money goes.
HubSpot and PipedriveHubSpot invoicing and quotes: how they work from a deal
Invoices are on every HubSpot plan. Quotes, templates and e-signatures need Revenue Hub. What each does from the deal, and where payment comes in.
HubSpot and PipedriveHubSpot contracts: what the contracts object does, and what it doesn't
HubSpot's contracts are a record of committed revenue, not the document your customer signs. What they track, what they need, and where the agreement goes.
HubSpot and PipedriveHow to automate sales quotes from your CRM
Line items from the deal, a template, a signature, a payment, an invoice. What HubSpot and Pipedrive do on their own, and the extra questions when you run several locations.
Keep more of itStripe donations: one-time and recurring gifts, fees and the nonprofit discount
A donate link takes ten minutes. Recurring gifts, the nonprofit discount and a fee the donor covers each have a catch worth knowing first.
HubSpot and PipedriveHubSpot for nonprofits: the discount, donations and where the gifts go
40% off, with conditions. Donations through HubSpot payment links, and why a school's annual fund may need its own Stripe account.
Plan it · SchoolsTuition billing software: what a career school's business office should look for
Plans from the enrollment, schedules that fit clock-hour programs and paydays, aid on the same invoice, withdrawals, card fees and a campus per entity. The questions to ask before you choose.
HubSpot and PipedrivePipedrive QuickBooks integration: what it does and what it doesn't
Pipedrive builds the invoice from the deal and shows whether it was paid. Collecting the payment, and which QuickBooks company it lands in, are separate questions.
Keep more of itQuickBooks Payments fees: card, ACH and what a payment plan costs
Intuit's own rates for card, ACH and instant deposit, worked through a $14,800 plan paid in thirteen payments, with surcharging and how the fees land in your books.
Run every locationStripe Xero integration: how Stripe payments reach Xero
Xero takes Stripe payments on its own invoices and brings Stripe's transactions in through a feed. Here is what that covers, and what changes when each location has its own Stripe account and Xero organisation.
HubSpot and PipedriveHubSpot Stripe integration: the three ways to connect them
Charging through Stripe, copying Stripe data into HubSpot, or moving to HubSpot payments. Each sends data a different way, and none gives you a second Stripe account.
Run every locationStripe split payments: over time, or between accounts?
Stripe uses one phrase for three different jobs. Which one you need decides whether you build a payment plan, a Connect platform, or neither.
Run every locationStripe QuickBooks integration: how Stripe payments reach your books
Stripe pays out a net figure; QuickBooks wants every payment, fee and refund. Here is how the two meet, location by location.
Plan it · SchoolsThe enrollment agreement and the payment plan, from the same deal
The agreement says one thing, the plan charges another. How that happens, and how to stop it before the first payment.
HubSpot and PipedriveHubSpot QuickBooks integration: what syncs and what doesn't
Customers, products and invoices move between the two. Card fees, split payments and per-location files need a closer look.
Rules that changed · SchoolsWhat a career school enrollment agreement must include
Every state and accreditor publishes a checklist. They overlap more than they differ. Here is the common list, the state extras, and where the plan fits.
HubSpot and PipedriveCan Pipedrive take credit card payments?
Pipedrive creates the invoice and forecasts the money. Taking the card is up to an accounting tool or a payment app.
Plan itHow to offer payment plans to your customers
Your plan or a lender's, the terms you set, how payments get collected and what the rules say. The decisions in the order you'll make them.
Plan itStripe payment plans: three ways to sell in installments
A schedule that stops, an invoice in installments, or a lender in the middle. What each Stripe option does with a real plan.
Plan itPayment plans for retreats and workshops: paid in full before day one
A deposit now, the rest in payments, and the last one before arrival. How to set it up, and what to decide first.
Plan it · SchoolsWorkforce Pell and short allied health programs: what it means for a private school
Who can offer it, what a program has to prove, and why most private phlebotomy and pharmacy tech schools are still paid by their students.
HubSpot and PipedriveHubSpot payment plans with more than four payments
The invoice beta stops early. What HubSpot can do past that point, and what to check first.
HubSpot and PipedriveCan you connect multiple Stripe accounts to HubSpot?
One portal, one Stripe account. What a group with several legal entities can do about it, and what each option costs.
Collect itEvent payment plans at volume: what changes at 300 attendees
Thirty attendees on a spreadsheet is a chore. Three hundred is 1,800 charges, and the spreadsheet stops working.
Plan it · SchoolsA payment tool for your CRM, or an all-in-one school platform?
What each one replaces, what it keeps, and the four questions that usually decide it.
HubSpot and PipedrivePipedrive invoicing: how it works, and what it can't collect
Installments forecast the money. Invoices ask for it. Something still has to collect it.
HubSpot and PipedriveA payment plan builder on your own website, synced to HubSpot
The customer picks the deposit and the schedule. You set the limits. Sales sees the result on the deal.
HubSpot and PipedriveHubSpot payment plans on invoices: what's available today
What HubSpot's own installment feature does and doesn't do yet, checked in a real portal and updated when it changes.
Plan itPayment plans without a CRM: a planner on your website, or an API
A button, a planner the customer fills in, or your own system calling an API. What each one suits, and what every plan needs behind it.
Keep more of itWhat does ACH save on a $15,000 plan?
The fee on card vs bank transfer, installment by installment. Calculator inside.
Plan itPayment plans in WooCommerce: in the store, or at the checkout
Plans either live inside your store as an extension, or come with the payment gateway at checkout. The choice decides where you manage them.
Plan it · SchoolsExam, background check and supply fees: on the tuition plan or charged up front?
Separate lines, the right moment to charge each one, and what happens to an exam fee when a student withdraws first.
HubSpot and PipedriveTake a deposit and schedule the balance from a Pipedrive deal
The deal holds the terms, the forecast and the status, so sales and finance read the same record.
Collect itChanging a payment plan after it starts: dates, splits and amounts
Most plans change at least once. How to change one without starting over, and what the customer needs to agree to.
The Back PageBefore the credit card: a short history of paying over time
A furniture store, a sewing machine, a car loan and a forgotten wallet. How buying in installments began, and how the fee came along.
Plan it · SchoolsA 0% plan from the school, or a loan from a lender?
What each costs the student, and what the school keeps.
Run every location · SchoolsAdding a campus: tuition, accounts and books
What a new campus needs on the payments side, under the same entity or a new one.
Rules that changed · SchoolsIs a 0% payment plan a loan?
Where federal and state lending rules can reach an in-house plan, even at no interest.
HubSpot and Pipedrive · SchoolsTuition payment plans in HubSpot for trade and CDL schools
From enrollment deal to the last payment, per student and per campus.
Run every locationOne LLC per location, or one for all? What changes for your payments
The legal side is for your attorney and CPA. The payments side is simpler, and it's worth knowing before you decide.
Rules that changed · SchoolsCalifornia for-profit schools: DFPI registration for tuition plans, even at 0%
What registration asks for, who is exempt, and what to keep on file.
Run every locationSplitting shared costs across location entities
Sales, billing staff and software, allocated by revenue or new customers.
Plan itWeekly, every two weeks or monthly? Picking a schedule customers keep
How the schedule and the deposit change what a customer can keep up with.
Collect it · SchoolsYour collection rate and 90/10
How cash collected on plans shows up in the calculation, and what to track monthly.
Collect it · SchoolsA student withdraws mid-program. What happens to the plan?
Split, recalculate or refund, and what the student sees each way.
Run every locationQuickBooks class vs location, and Xero tracking
Which to use, and a starter layout for schools, clinics and home services.
Plan it · SchoolsThe enrollment-season payment checklist
Six weeks before a start date: plan terms, deposits, and what admissions sends each student.
Run every locationReconciling Stripe payouts when every location has its own books
A clearing-account layout your bookkeeper will recognize. Template inside.
HubSpot and PipedriveTake a deposit and schedule the balance from a HubSpot deal
A deposit today and the rest on your schedule, with the deal as the record.
Nothing in this topic yet. The first posts are on their way.
Surcharging, fees and payment plans, tracked.
Each item is dated and sourced to the statute or regulator. General information, not legal advice.
- 1 Aug 2026Louisiana bans surcharges on debit cards
- 1 Jul 2026Connecticut joins the total-price states
- 19 Jun 2026Nacha's fraud-monitoring rules reach every business collecting by ACH Schools
- 1 Nov 2025Oklahoma allows credit card surcharges, capped at 2%
- PendingVisa and Mastercard settlement: what could change for surcharging
- Since 15 Feb 2025California: for-profit schools register tuition payment plans with DFPI, even at 0% Schools
Further reading
From the archiveHome improvement financing for contractors: a lender program or your own payment plan
Who approves the homeowner, when you're paid, what each route costs on one $14,800 HVAC job, and when your own plan starts to count as lending.
Plan itBuy now, pay later for business: what the merchant gets and gives up
How BNPL pays a business, what Affirm, Klarna, Afterpay and others charge and allow through Stripe, and where an in-house plan fits instead.
Plan itQuote to cash software: what it covers, the kinds of tools, and what to ask in a demo
Quote, approval, signature, invoice, payment, collection, revenue and the books. Which kind of tool covers which steps, and the questions that show the gaps before you sign.
Run every locationQuickBooks Online with multiple companies: billing each one from one CRM
QuickBooks gives each entity its own company. Sales still runs from one HubSpot or Pipedrive portal. Here's how each deal's invoice and payment get to the right file.
Keep more of itPassing credit card fees to clients on a high-ticket program
On a $10,000 coaching or consulting program, the card fee is a few hundred dollars per client. What it costs, what the checkout tools say, what the rules ask and what bank transfer saves.
HubSpot and PipedriveSeveral legal entities in one HubSpot portal: quotes, invoices and payments
The questions RevOps teams ask in the HubSpot Community when one portal sells for several companies, answered from HubSpot's own knowledge base.
Plan itDeposit, then the balance: setting up a high-ticket program's payment plan from the CRM deal
The closer gets a yes on the enrollment call. Then someone rebuilds the deal by hand in Stripe or the cart. How to set the plan up from the deal instead, worked on one $10,000 program.
Run every locationMulti-entity accounting software: what it does, and what it leaves out
The accounting software keeps each entity's books and combines them. Getting each customer's payment into the right entity's account in the first place is a separate job.
HubSpot and PipedriveHubSpot Xero integration: what syncs and what doesn't
Contacts, products, invoices and the payments on them move between the two. Card fees, tax and one Xero organisation per location need a closer look.
HubSpot and PipedrivePipedrive Xero integration: how deals become Xero invoices
Pipedrive's own invoicing names QuickBooks. For Xero, a Marketplace app turns the deal into an invoice or a quote. Here is what that covers.
HubSpot and PipedriveHubSpot Brands, business units and multi-account management
Several businesses or locations in one HubSpot portal, or a portal for each. What each setup covers, what it costs in subscriptions, and where the money goes.
HubSpot and PipedriveHubSpot invoicing and quotes: how they work from a deal
Invoices are on every HubSpot plan. Quotes, templates and e-signatures need Revenue Hub. What each does from the deal, and where payment comes in.
HubSpot and PipedriveHubSpot contracts: what the contracts object does, and what it doesn't
HubSpot's contracts are a record of committed revenue, not the document your customer signs. What they track, what they need, and where the agreement goes.
HubSpot and PipedriveHow to automate sales quotes from your CRM
Line items from the deal, a template, a signature, a payment, an invoice. What HubSpot and Pipedrive do on their own, and the extra questions when you run several locations.
Keep more of itStripe donations: one-time and recurring gifts, fees and the nonprofit discount
A donate link takes ten minutes. Recurring gifts, the nonprofit discount and a fee the donor covers each have a catch worth knowing first.
HubSpot and PipedriveHubSpot for nonprofits: the discount, donations and where the gifts go
40% off, with conditions. Donations through HubSpot payment links, and why a school's annual fund may need its own Stripe account.
Plan it · SchoolsTuition billing software: what a career school's business office should look for
Plans from the enrollment, schedules that fit clock-hour programs and paydays, aid on the same invoice, withdrawals, card fees and a campus per entity. The questions to ask before you choose.
HubSpot and PipedrivePipedrive QuickBooks integration: what it does and what it doesn't
Pipedrive builds the invoice from the deal and shows whether it was paid. Collecting the payment, and which QuickBooks company it lands in, are separate questions.
Keep more of itQuickBooks Payments fees: card, ACH and what a payment plan costs
Intuit's own rates for card, ACH and instant deposit, worked through a $14,800 plan paid in thirteen payments, with surcharging and how the fees land in your books.
Run every locationStripe Xero integration: how Stripe payments reach Xero
Xero takes Stripe payments on its own invoices and brings Stripe's transactions in through a feed. Here is what that covers, and what changes when each location has its own Stripe account and Xero organisation.
HubSpot and PipedriveHubSpot Stripe integration: the three ways to connect them
Charging through Stripe, copying Stripe data into HubSpot, or moving to HubSpot payments. Each sends data a different way, and none gives you a second Stripe account.
Run every locationStripe split payments: over time, or between accounts?
Stripe uses one phrase for three different jobs. Which one you need decides whether you build a payment plan, a Connect platform, or neither.
Run every locationStripe QuickBooks integration: how Stripe payments reach your books
Stripe pays out a net figure; QuickBooks wants every payment, fee and refund. Here is how the two meet, location by location.
Plan it · SchoolsThe enrollment agreement and the payment plan, from the same deal
The agreement says one thing, the plan charges another. How that happens, and how to stop it before the first payment.
HubSpot and PipedriveHubSpot QuickBooks integration: what syncs and what doesn't
Customers, products and invoices move between the two. Card fees, split payments and per-location files need a closer look.
Rules that changed · SchoolsWhat a career school enrollment agreement must include
Every state and accreditor publishes a checklist. They overlap more than they differ. Here is the common list, the state extras, and where the plan fits.
HubSpot and PipedriveCan Pipedrive take credit card payments?
Pipedrive creates the invoice and forecasts the money. Taking the card is up to an accounting tool or a payment app.
Plan itHow to offer payment plans to your customers
Your plan or a lender's, the terms you set, how payments get collected and what the rules say. The decisions in the order you'll make them.
Plan itStripe payment plans: three ways to sell in installments
A schedule that stops, an invoice in installments, or a lender in the middle. What each Stripe option does with a real plan.
Plan itPayment plans for retreats and workshops: paid in full before day one
A deposit now, the rest in payments, and the last one before arrival. How to set it up, and what to decide first.
Plan it · SchoolsWorkforce Pell and short allied health programs: what it means for a private school
Who can offer it, what a program has to prove, and why most private phlebotomy and pharmacy tech schools are still paid by their students.
HubSpot and PipedriveHubSpot payment plans with more than four payments
The invoice beta stops early. What HubSpot can do past that point, and what to check first.
HubSpot and PipedriveCan you connect multiple Stripe accounts to HubSpot?
One portal, one Stripe account. What a group with several legal entities can do about it, and what each option costs.
Collect itEvent payment plans at volume: what changes at 300 attendees
Thirty attendees on a spreadsheet is a chore. Three hundred is 1,800 charges, and the spreadsheet stops working.
Plan it · SchoolsA payment tool for your CRM, or an all-in-one school platform?
What each one replaces, what it keeps, and the four questions that usually decide it.
HubSpot and PipedrivePipedrive invoicing: how it works, and what it can't collect
Installments forecast the money. Invoices ask for it. Something still has to collect it.
HubSpot and PipedriveA payment plan builder on your own website, synced to HubSpot
The customer picks the deposit and the schedule. You set the limits. Sales sees the result on the deal.
HubSpot and PipedriveHubSpot payment plans on invoices: what's available today
What HubSpot's own installment feature does and doesn't do yet, checked in a real portal and updated when it changes.
Plan itPayment plans without a CRM: a planner on your website, or an API
A button, a planner the customer fills in, or your own system calling an API. What each one suits, and what every plan needs behind it.
Keep more of itWhat does ACH save on a $15,000 plan?
The fee on card vs bank transfer, installment by installment. Calculator inside.
Plan itPayment plans in WooCommerce: in the store, or at the checkout
Plans either live inside your store as an extension, or come with the payment gateway at checkout. The choice decides where you manage them.
Plan it · SchoolsExam, background check and supply fees: on the tuition plan or charged up front?
Separate lines, the right moment to charge each one, and what happens to an exam fee when a student withdraws first.
HubSpot and PipedriveTake a deposit and schedule the balance from a Pipedrive deal
The deal holds the terms, the forecast and the status, so sales and finance read the same record.
Collect itChanging a payment plan after it starts: dates, splits and amounts
Most plans change at least once. How to change one without starting over, and what the customer needs to agree to.
Plan it · SchoolsA 0% plan from the school, or a loan from a lender?
What each costs the student, and what the school keeps.
Run every location · SchoolsAdding a campus: tuition, accounts and books
What a new campus needs on the payments side, under the same entity or a new one.
Rules that changed · SchoolsIs a 0% payment plan a loan?
Where federal and state lending rules can reach an in-house plan, even at no interest.
HubSpot and Pipedrive · SchoolsTuition payment plans in HubSpot for trade and CDL schools
From enrollment deal to the last payment, per student and per campus.
Rules that changed · SchoolsCalifornia for-profit schools: DFPI registration for tuition plans, even at 0%
What registration asks for, who is exempt, and what to keep on file.
Run every locationSplitting shared costs across location entities
Sales, billing staff and software, allocated by revenue or new customers.
Plan itWeekly, every two weeks or monthly? Picking a schedule customers keep
How the schedule and the deposit change what a customer can keep up with.
Collect it · SchoolsYour collection rate and 90/10
How cash collected on plans shows up in the calculation, and what to track monthly.
Collect it · SchoolsA student withdraws mid-program. What happens to the plan?
Split, recalculate or refund, and what the student sees each way.
Run every locationQuickBooks class vs location, and Xero tracking
Which to use, and a starter layout for schools, clinics and home services.
Plan it · SchoolsThe enrollment-season payment checklist
Six weeks before a start date: plan terms, deposits, and what admissions sends each student.
Run every locationReconciling Stripe payouts when every location has its own books
A clearing-account layout your bookkeeper will recognize. Template inside.
HubSpot and PipedriveTake a deposit and schedule the balance from a HubSpot deal
A deposit today and the rest on your schedule, with the deal as the record.