Payment plan software for businesses that bill from a CRM.
Build each customer's plan from the deal in HubSpot or Pipedrive. Paycove charges every payment on its date, recovers the card fee where your state allows it, and pays each location into its own Stripe account and books.
When customer payment plans outgrow the spreadsheet.
Every plan lives in a spreadsheet tab.
Someone checks it each morning to see who is due and runs the cards by hand.
The deal says one price. The plan says another.
Sales closes it in the CRM, and finance types the schedule in again somewhere else.
A card declined last week and nobody noticed.
The missed payment surfaces at month end, when it's harder to collect.
A customer wants to change their dates.
The plan has to be rebuilt by hand, and the balance in the CRM goes stale.
Card fees come off every payment.
About 2.9% of every card payment goes to the processor, on a plan that may run for a year.
Every location's money lands in one account.
Someone splits the payout by hand and moves it to the right entity's books.
Build the plan from the deal.
The rep opens the deal in HubSpot or Pipedrive and presses one button. Paycove writes the schedule from the deal's own terms and sends the quote or invoice. Or let customers build their own payment plan in a planner on your website.
- Daily, weekly, every two weeks, monthly, quarterly or yearly
- Custom intervals: every N days, weeks, months or years, or fixed dates
- A different amount or date for any payment
- Deposits as a flat amount or a percent
- The last payment absorbs the rounding, with no interest anywhere
- Customers can pick their own frequency, deposit and number of payments on a quote, within the rules you set
- Reminder emailed
- Payment 1 · paid by card
- Payment 2 · paid by card
- Payment 3 · card declined
- Admins notified · ACH offered
- Paid by ACH · $1,108.33
Charged on schedule, changed when life does.
Each payment is charged to the customer's saved card or bank account on its date. Customers get email reminders before or after a due date. When a scheduled payment fails, your admins are notified, and the customer can pay by bank transfer instead.
- Mark a payment paid in full, partly paid or overpaid, or mark it unpaid
- Split one payment into several, or merge payments together
- Charge a payment now, ahead of its date
- Recalculate what's left, or refund a payment
- Change a date or an amount by editing the schedule
- The new balance shows in your CRM
Card fees recovered inside the plan.
About 2.9% of every card payment goes to the processor. Paycove adds a surcharge you set for each payment method, as a percent, a flat amount or both, where your state allows it. The customer sees it before they confirm.
Bank transfer sits beside card on every payment, with no card fee. The recovered fee shows as a fee in your books.
Every location paid into its own account and books.
Each location gets its own invoices, its own Stripe account and its own QuickBooks Online or Xero file. Two ways to set it up.
One account, a template per location
One team runs every location. Each template carries the location's branding, Stripe account, books and plan rules. Deals land on the right template by pipeline, location or other deal fields.
A parent with an account per entity
Each entity has its own Paycove account, logins, roles and permissions, under one parent. More on multi-entity billing.
Your plan, not a lender's loan.
The customer pays you what it costs, spread over time. No interest, no lender and no credit check. The invoice carries your name, and the customer stays yours.
No credit check
You decide who gets a plan and on what terms. Nobody outside your business turns the customer down.
No interest
The customer pays the price on the deal, plus a card fee only if they choose a card where your state allows it.
Your customer
Reminders, receipts and the payment page carry your location's name. The customer deals with you, not a servicer.
Who it's for.
Businesses collecting $100K a month or more from customers who pay over time: career, trade and vocational schools, clinics, coaching programs, home services and multi-location groups of them.
Questions.
What is payment plan software?
Also called installment payment software or payment plan management software, it splits a price into a schedule of payments, charges the customer's saved card or bank account on each date, reminds them before payments are due, and keeps a record of what's paid and what's open. Paycove builds each plan from the deal in HubSpot or Pipedrive and pays each location into its own Stripe account and books.
Is a payment plan a loan?
Not in Paycove. The plan is between you and your customer: no lender, no interest and no credit check. The customer pays the price on the deal over time, and a card fee only where your state allows a surcharge and they choose a card.
How do I offer payment plans to my customers?
Set up a template with your deposit, frequency and number of payments. Then build each plan from the deal in your CRM, or let customers pick their own frequency, deposit and number of payments on a quote or in a planner on your website. Try the plan builder.
What schedules can a plan run on?
Daily, weekly, every two weeks, monthly, quarterly or yearly, plus custom intervals of any number of days, weeks, months or years, or fixed dates. Any payment can have its own amount or date, and the deposit can be a flat amount or a percent.
What happens when a payment fails?
Your admins are notified, and the payment shows as open on the plan. The customer can pay it by card or bank transfer from the same payment page.
Which CRMs and accounting systems does it work with?
HubSpot and Pipedrive, with Salesforce, Pipeline CRM, Capsule and monday.com on request. Payments go through Stripe, and each location posts to its own QuickBooks Online or Xero file.
How much does payment plan software cost?
1% of what Paycove collects plus $500 a month, built for businesses collecting $100K a month or more. A separate Paycove account per entity is $50 a month for each one after the first. See pricing.
Built for businesses collecting $100K a month or more.
Customers who pay over time, a CRM where the deals live, and each location with its own invoices, payouts and books.
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