Payment Plans Suite

Payment Plans Suite allows customers to buy products through convenient installment payments.

Installation

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1. Download the payment-plan-suite.zip file from your WooCommerce account.

2. Go to WordPress Admin > Plugins > Add New and Upload Plugin with the file you downloaded with Choose File.

3. Install Now and Activate the extension.

More information at: Install and Activate Plugins/Extensions.

Setup and Configuration

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Creating Plans

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Plans must be created before either Product Level or Cart Level payment plans can be offered. Go to WooCommerce > Payment Plan Suite > Plans and click Add new plan.

• Title: The plan name, shown to customers on the frontend.
• Price Type: Choose Fixed to set a fixed amount for each installment (this overrides any per-product pricing), or Percentage to set each installment as a percentage of the product’s Regular/Sale price.
• Charge Deposit During Purchase: When enabled, the first installment is charged immediately at the time of purchase. When disabled, 0 is charged at purchase and the first installment is due later. This works whether or not Synchronize Due Dates is enabled.
• Description: Plan details shown to customers on the frontend.
• Synchronize Due Dates: When enabled, every installment’s due date falls on the same date-of-month, rather than being calculated relative to the purchase date.

Synchronization Start Date: Sets the date-of-month used for the first synchronized due date. A past date can be used safely, since only the day-of-month is relevant.

Installment Frequency: The gap between synchronized due dates — 1, 2, 3, 4, 6, or 12 months.

• Click Add Rule once per installment to build out the schedule.

Installment Amount: The amount or percentage for that installment.

Due Date (only when Synchronize Due Dates is disabled)

Type – Specific duration after purchase date: The due date is calculated dynamically, a set number of days after the purchase date (for the first installment) or after the previous installment’s due date.

Type – On a fixed date: A static calendar date is set in the Date field.

If Charge Deposit During Purchase is enabled, the first installment’s due date is automatically set to Immediately and charged at checkout; the remaining installments follow the configured due-date rules.

Due dates and times throughout the plugin (installment tables, emails, My Account) are displayed in the site’s local timezone.

Synchronization example

Synchronization Start Date: 15/01/2026, Installment Frequency: 3 months, with 3 installments configured.

• If a customer purchases on 20/02/2026, installments fall due on 15/04/2026, 15/07/2026, and 15/10/2026.
• If a customer purchases on 10/12/2026, installments fall due on 15/01/2027, 15/04/2027, and 15/07/2027.

Creating Rules

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Plans are made available to customers by linking them to a Rule. At least one rule must exist for payment plan options to appear.

Product Level Rules

Go to WooCommerce > Payment Plan Suite > Rules > Product Level and click Add new rule.

• Title: For internal reference only; not shown to customers.
• Linked Plans: Search and select one or more previously created plans.
• Product Filter: Restricts the rule to specific products; only those products will offer the linked plan(s).
• User Filter: Restricts the rule to specific users; only those users will see the linked plan(s).

Cart Level Rules

Go to WooCommerce > Payment Plan Suite > Rules > Cart Level and click Add new rule.

• Title: For internal reference only; not shown to customers.
• Linked Plans: Search and select one or more previously created plans.
• User Filter: Restricts the rule to specific users.
• Minimum Subtotal: The rule only applies when the cart subtotal is at or above this value. Leave empty for no minimum.
• Maximum Subtotal: The rule only applies when the cart subtotal is at or below this value. Leave empty for no maximum.

Plugin Setup

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Go to WooCommerce > Payment Plan Suite > Settings to configure the following.

General Settings

• Product Level Plan Purchase: Set to Optional to let customers choose between full payment and a plan on the single product page, or Mandatory to hide the full payment option entirely for products with a linked plan.
• Cart Level Plan Purchase: Set to Optional to let customers choose between full payment and a plan in cart/checkout, or Mandatory to hide the full payment option.

Payment Method Settings

• Payment Mode: Automatic charges future installments from the customer’s saved payment method; Manual requires the customer to pay each installment themselves.
• Automatic mode is supported via Stripe – Credit Card/Debit Card (through the WooCommerce Stripe Gateway plugin), including compatibility with Stripe’s newer checkout/payment-method experience.
• Always Show Stripe Payment Method: When enabled, Stripe – Credit Card/Debit Card remains visible as a payment option for plan purchases even when other payment-method restrictions would otherwise hide it.
• Disable Payment Methods: Hides selected payment methods specifically for plan purchase orders.
• Payment Retry Duration: For Automatic mode, if an installment charge fails, the plugin retries once per day from the customer’s default saved card. This setting controls how many days retries continue before stopping.

Email Settings

• Send Automatic Payment Reminder: For Automatic-mode purchases, sends reminder emails ahead of an upcoming charge so the customer can ensure funds are available. Enter the number of days before the due date, comma-separated in descending order for multiple reminders.
• Send Manual Payment Reminder: For Manual-mode purchases, sends reminder emails with a pay link to the Pay for Order page. Enter the number of days before the due date, comma-separated in descending order for multiple reminders.
• Payment plan emails support WooCommerce’s built-in Email Preview feature for reviewing templates before sending.

Display Settings

• Plan Purchase Field Type in Single Product Page: Choose Selectbox or Radio button for how plan options are presented.
• Product Level Payment Type Default Option: Sets whether Full Payment or Installment Payment is pre-selected on the product page.
• Cart Level Payment Type Default Option: Sets whether Full Payment or Installment Payment is pre-selected in cart/checkout.
• Payment Type Option Position in Single Product Page: Choose where the payment plan option appears on the single product page, from the available template hooks.

Right-to-left (RTL) languages are supported automatically — both the frontend and admin styles switch to an RTL-aware stylesheet when the site is configured for an RTL language.

Custom CSS

• Custom CSS: A field for adding custom CSS to fine-tune the appearance of payment plan elements on the frontend.

Miscellaneous Settings

• Mixed Checkout: Allows customers to check out with payment plan products and normal (full payment) products together in the same order.
• Allow Coupon Usage for Plan Purchases: Allows coupons on plan purchases; any discount is split proportionally across installments.
• Price to Consider for Calculating Total Payable Amount: For Percentage-type plans on sale products, choose whether installments are calculated from the Sale Price (default) or the Regular Price.
• Grant Download Permission: For downloadable products, choose whether access is granted When initial order is successful (as soon as the first payment/deposit clears) or When final order is successful (only after the last installment is paid).
• Reduce Stock: Choose whether stock is reduced During initial payment (immediately on purchase) or During final payment (only after the last installment). Stock reservations are not applied to balance/installment orders when reduction is disabled here.

The plugin is compatible with both the classic (shortcode-based) and block-based WooCommerce Cart and Checkout. Product Level and Cart Level payment plan selection, as well as the Payment Schedule display, work correctly on either implementation.

Localization

Go to WooCommerce > Payment Plan Suite > Settings > Localization to customize the labels shown on the frontend (e.g., field and button text).

Messages

Go to WooCommerce > Payment Plan Suite > Settings > Messages to customize the notices and messages shown to customers on the frontend.

Usage

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Customers Purchasing Products Using Payment Plans – Product Level

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• On the single product page, customers see a Payment Type option. Choosing Installment Payment reveals the available payment plans to select from before adding the product to the cart.
• Different products in the same cart can use different plans (or full payment) independently — for example, one product on a 3-installment plan, another on a 6-installment plan, and another paid in full.
• Once items are in the cart, the Payment Schedule section on the cart and checkout pages shows the full breakdown of upcoming payments, in local time.
• The customer completes checkout as normal to place the order.

Customers Purchasing Products Using Payment Plans – Cart Level

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• Customers add products to the cart as usual (full payment).
• On the cart or checkout page, choosing Installment Payment under Payment Type lets the customer select a plan from those available for the cart.
• Selecting a plan converts the entire cart to a payment plan purchase, and the Payment Schedule section displays the resulting installment breakdown.
• If the cart already contains one or more products purchased under a Product Level payment plan, the Cart Level Payment Type option is not displayed — a cart cannot mix a Product Level plan item with a Cart Level plan.
• The customer completes checkout as normal to place the order.

Payment Plan Purchase – Admin Management

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Go to WooCommerce > Payment Plan Suite > Purchases to view all plan purchases. Opening a purchase shows its full details, including the User Payment Installments table.

Editing a single purchase

• Use the Edit control next to a given installment’s Due Amount or Due Date to change it, then update the purchase to save.
• Installments can be added to or removed from an existing purchase directly on the edit screen, adjusting the customer’s remaining schedule.
• An option is available to automatically email the customer whenever their schedule is edited, so they’re notified of the change.

Bulk updating multiple purchases

Go to WooCommerce > Payment Plan Suite > Bulk Update. This is a dedicated 4-step screen for updating a given installment across every purchase made under a specific plan.

1. Choose Plan: Select the Plan Type (Product Level or Cart Level), then select the specific plan under Payment Plan.

2. Configure and select: The plan’s installment data (installment amount and due date) is displayed. Use the +/- controls to adjust an installment’s amount, shift its due date, or add/remove installments from the schedule as needed. Then select the customers for whom this update should be applied.

3. Review & edit: The resulting changes are shown for each selected customer. Individual customer entries can still be edited on this screen, or a customer can be excluded from the bulk update entirely. Once everything has been reviewed, click Confirm & queue update for N customers (where N is the number of customers included in the update).

4. Confirm: A confirmation message is shown indicating the update is being processed in the background.

An email notifying the customer of the change is always sent automatically as part of a bulk update — there is no setting to disable this.

Example: An admin needs to push back the second installment for every customer on the “3-Month Plan” (Product Level).

1. Choose Plan — On the Bulk Update screen, the admin sets Plan Type to Product Level and Payment Plan to 3-Month Plan.

2. Configure and select — The installment schedule for the 3-Month Plan is displayed. The admin changes Installment 2’s Due Date from 15/03/2026 to 01/04/2026, then selects all 10 customers currently on this plan.

3. Review & edit — The admin reviews the updated Installment 2 due date for each of the 10 customers, makes no further changes, and clicks Confirm & queue update for 10 customers.

4. Confirm — A message confirms the update is being processed in the background. Once complete, all 10 purchases have Installment 2 rescheduled to 01/04/2026, and each of the 10 customers automatically receives an email about the change, without the admin needing to edit each purchase individually.

Manually recording a payment received outside WooCommerce

Open the relevant purchase, and in the User Payment Installments table click the generated order number to open that installment’s order in the WordPress edit-order screen. Set the order status to Processing or Completed so the plugin recognizes the payment as received.

Manually completing a purchase

Open the relevant purchase and set its status to Completed to stop any further charges from being made.

Manually processing an automatic (Stripe) payment

For Automatic-mode purchases, an admin can trigger the charge for a due installment directly from the purchase’s edit page, rather than waiting for the scheduled charge or the retry cycle.

The PAY action on an installment order is only shown for orders in Pending or On hold status awaiting initial payment; it is hidden once an order is paid or cancelled.

Payment Plan Purchase – Customer Management

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Manual payment mode

• My Account > Plan Purchases > (select the purchase), then click the order number for the most recently generated installment to reach the Pay for Order page.
• Alternatively, click the pay link included in a payment reminder email to go directly to the Pay for Order page.
• Customers can select and pay multiple installments with future due dates together in a single payment, rather than paying them one at a time.

Automatic payment mode

No action is required from the customer. On each due date, the amount owed is charged automatically to their saved payment method. If a charge fails, it is retried automatically according to the configured retry duration.

Behavior on Missed Installment Payment

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If a payment isn’t made on or before its due date, the purchase’s status automatically changes to Overdue. The customer can still make payment while in this status.

If the admin wants to stop collecting payment, they can open the purchase under WooCommerce > Payment Plan Suite > Purchases and change its status to Cancelled.

Note: Refunds for plan purchases must be processed manually by the admin; the plugin does not automate refunds.

Translation

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Payment Plan Suite is translation-ready, meaning you can edit the PO files by translating the text in any language. The steps to perform the translation are as follows. For example, a translation to French.

The steps to do the translation are as follows. For eg let us consider translation to French.

1. Download and install Poedit
2. Open the file payment-plan-suite -> languages folder -> payment-plan-suite.pot using Poedit.
3. Create a new translation file by clicking Create new translation button
4. Choose the Source text and set its corresponding French text in Translation Text Area.
5. Save the changes.
6. Save the file name as payment-plan-suite-fr_FR.po.
7. If you are using WordPress Version 3.9.13 or below, then in wp-config.php define the WPLANG as French. Syntax is define(‘WPLANG’, ‘fr_FR’);
8. If you use WordPress Version 4.0 or above, go to WordPress dashboard -> Settings -> General and select the Site Language as French.