A deposit now, the rest over time, without the chasing.
Build the plan from the deal your closer just won, in HubSpot or Pipedrive. Paycove takes the deposit, charges each payment on its date and tells you when one fails. No lender, no credit check, no interest.
Sound familiar?
Some clients I chase for payment constantly.
Invoices go out by hand, and the follow-up falls to you.
Every client wants a different split.
30/40/30, 50/25/25, or $1,000 up front and $500 a month. The checkout only does a few of them.
The closer's deal and the payment don't talk.
The deal says won. Nobody in sales can see who has actually paid.
A card declined and nobody noticed.
The missed payment shows up at month end, when the client is harder to reach.
Card fees come off every payment.
About 2.9% of every card payment goes to the processor, on a program that may run for a year.
Two brands, one Stripe account.
Someone splits the payouts by hand and moves them to the right books.
The plan comes from the deal.
When a closer wins the deal in HubSpot or Pipedrive, one button writes the schedule from it and sends the quote or invoice. Agree an unusual split on the call and put it straight on the plan. Or let the client pick a schedule inside the rules you set.
- A deposit as a flat amount or a percent
- Weekly, every two weeks, monthly or custom intervals
- A different amount or date on any payment
- The last payment absorbs the rounding, with no interest anywhere
- Plan status and balance written back to the HubSpot deal
- Reminder emailed
- Payment 1 · paid by card
- Payment 2 · paid by card
- Payment 3 · card declined
- Admins notified · bank transfer offered
- Paid by bank transfer · $1,000.00, no card fee
Charged on schedule. You hear when one fails.
Each payment is charged on its date to the card or bank account the client saved at checkout. When a payment fails, your admins get an email, and the client can pay by bank transfer from the same page. Plan payments aren't retried automatically, so the follow-up is yours.
- Email reminders before or after each due date
- Failed-payment alerts and a daily summary for admins
- Bank transfer beside card, with no card fee on a bank transfer
- A card surcharge where your state allows it
- Charge now, split, merge, recalculate or refund mid-plan
Questions.
Is Paycove financing that pays us up front?
No. Paycove isn't a lender. It runs plans you offer yourself, so you're paid as the client pays. If you want the full amount up front, that's a financing program, not Paycove. The trade-off is that there's no credit check and no lender between you and the client.
Are declined payments retried?
Scheduled plan payments are not retried automatically. Your admins get an alert and can follow up, and the client can pay by card or bank transfer from the same page. Subscriptions do retry a declined card automatically.
Does it replace our course platform or checkout?
It doesn't host courses or control access to them. If you sell a low-priced course from a sales page, your platform's checkout may be all you need. Paycove fits when a person sells the program and the deal lives in your CRM. It also has a plan builder for your website.
Can it cut off access if a client stops paying?
No. Paycove tells you a payment failed, and what happens to the client's access is your call, in your own tools.
What if we don't use HubSpot or Pipedrive?
A plan can also start from a quote or invoice, a plan builder on your website, or our API. Salesforce, Pipeline CRM, Capsule and monday.com are available on request. Every way to start a plan.
Which payment processor does it use?
Stripe, on your own Stripe account, so Stripe's rules for your business apply. Payments land in your account, not ours.
Can each brand have its own Stripe account and books?
Yes. Each brand or entity can pay out to its own Stripe account and post to its own QuickBooks Online or Xero file. One brand on one account works just as well.
Is a long payment plan a loan?
It can be, depending on the number of payments and whether there's a finance charge. Is a 0% plan a loan? explains the federal test. Check your own situation with counsel. This is general information, not legal advice.
Go deeper.
See it run on a sample deal.
Fifteen minutes on a screen share, from the deal to the books. There's nothing to prepare.
Book 15 minutes