Instalments and part payment
The amount is split into a schedule, every part is charged on its own date, and access follows the parts already paid.
- Buildfrom $2,850
- Timeline3–5 weeks
- Supportfrom $570/mo
Who this suits: Purchases too large to pay at once and too small for a bank, where the schedule lives in a spreadsheet and access is switched off from memory.
What is in the first version
- payment schedule
- automatic charging
- reminders
- access by payment
The figures above are the package this sits on: Payments and billing. Anything past its edges the calculator adds before the work starts, not after.
How the path goes
- 01
The schedule is shown whole, once
The amount, the parts, the dates and what each part opens are on screen before the first payment.
- 02
A charge, or a payment link
Where the card is saved the charge goes out; where not, a link closes a named part, not a balance.
- 03
Access moves with the payments
A part paid opens what is attached to it; a part missed pauses what lies ahead and takes back nothing.
What decides whether this works or annoys people
Your payment plan is not a loan
Either the deferral is yours, or it runs through a provider holding the licence, and the route is chosen before any code.
One miss should not close everything
Paid parts stay open, only what lies ahead pauses, and the pause has a date the customer is told in advance.
A refund mid-schedule
The refund rule is written before the first sale, part by part and visible at purchase, so the answer is arithmetic.
What to measure once it is live
- schedules paid to the end
- parts landing on their date
- misses closed without a person
- the remainder across live schedules
Why this comes out faster
The shape of this one is known: the states, the edge cases and the things that usually go wrong have been decided before. Nothing here is a template, and the saving is not in your half of the work. It goes into your process, your content and the systems this has to talk to, which is the part nobody can have solved in advance.
A likely stack for this
Picked against the task when we scope it, not decided in advance. This is the shelf it usually comes off.
- Schedule and accessTypeScriptNode.jsPostgreSQLPrisma
- Charges and their timingStripePaddleTemporalRedis
- Account and remindersNext.jsReactTelegram Bot APIDockerGrafana
Price it yourself, right here
Five steps, and you can see the number without leaving a contact. The estimate accounts for the kind of work, what you already have and what it will need inside.
These bills do not come from us
- provider fees, one per part
- card storage and retry charges
- SMS reminders before a payment date
- the lawyer who writes the terms
Asked before the first call
- Is this a loan? Do we need a licence?
- By default it is a deferred payment for your own product, with nothing charged on top. Where your country or volume makes it regulated, the money runs through a licensed provider, and your lawyer confirms which.
- Somebody stops paying halfway. What then?
- The system does the mechanical part: the reminder, the retries, the pause ahead and a screen showing who owes which part. Writing it off or handing it to a lawyer stays your decision.
- A customer wants to close the remainder in one payment. Possible?
- Yes, from their own account, with the remainder recalculated to the day. A partial early payment either shortens the schedule or lowers the parts, and which of the two is a rule set before launch.