Payment Plans Suite

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

Installation

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.

Schedule Type: Choose how the installment schedule is built. The Schedule Type is set when the plan is created and cannot be changed afterwards.
- Standard: You configure each installment yourself. The options below (Title to Add Rule) describe a Standard plan.
- Deadline: Set an end date and a payment frequency, and the installments are calculated for you. See Deadline Plans below.
- Booking-Anchored: The schedule counts down to each customer’s own booking date. Only available when WooCommerce Bookings is active. See Booking-Anchored Plans below.
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.
Plan Description: Plan details shown to customers on the frontend. Enter them in the Plan Description editor box on the plan screen, which supports formatted text.
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.

Deadline Plans

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A Deadline plan is fully paid by a fixed end date. Instead of configuring each installment, you set the end date and how far apart the installments fall; the plugin works out the schedule by counting back from the end date. Every customer’s final installment is due on the End Date, so the later a customer buys, the fewer installments they get. Useful for events, courses, tours and pre-orders.

Select Schedule Type: Deadline and configure the following.

Title and Plan Description: As for a Standard plan.
End Date (Schedule section): The final due date for every customer on this plan.
Payment Frequency: How far apart the installments fall, in Day(s), Week(s) or Month(s). Together with the End Date, this decides how many installments a customer gets and how long the plan stays on sale. If Synchronize Due Dates is enabled, the monthly Installment Frequency is used instead.
Price Type (Total Payable section): Choose Percentage to charge a percentage of the product’s price, or Fixed to charge a fixed total.
Total Payable: The total amount (or percentage of the product’s price) to be collected. Installment amounts are not entered here; the total is split evenly across the automatically generated installments.
Charge Deposit During Purchase (Deposit section): Takes a deposit at checkout, before the schedule begins. The deposit is Installment 1, due at purchase, and the rest of the total is split across the schedule. If enabled with an amount of zero, no deposit is taken.
Live Preview: Enter a Sample Purchase Date to see the installments a customer buying on that date would be offered. Percentage plans are previewed using an example product price; each customer is charged based on the actual price of the product they buy.

Note: A Deadline plan can be purchased until one payment frequency before the End Date, so every purchase has at least two installments. If the End Date is too soon for the frequency to fit two installments, or no frequency is set, the plan is saved as Inactive. Once the End Date has passed, the plan is set to Expired.

Deadline example

End Date: 01/12/2026, Payment Frequency: 1 Month(s), Price Type: Percentage, Total Payable: 100%, no deposit, for a product priced at $400.

If a customer purchases on 15/08/2026, 4 installments of $100 fall due on 01/09/2026, 01/10/2026, 01/11/2026, and 01/12/2026.
If a customer purchases on 20/10/2026, 2 installments of $200 fall due on 01/11/2026 and 01/12/2026.
After 01/11/2026, the plan is no longer offered.

Booking-Anchored Plans (WooCommerce Bookings)

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When WooCommerce Bookings is active, a Booking-Anchored plan lets customers pay for a booking in installments. There is no end date to set: each customer’s own booking date becomes the due date of their final installment, and their schedule is built backward from it. Each booking gets its own independent installment schedule.

Select Schedule Type: Booking-Anchored and configure the following.

Payment Frequency: How far apart the installments fall. The due dates are counted back from the customer’s booking date in these steps.
Cut-off Period: How many days ahead of the booking date a booking must be made for the plan to be offered. Bookings with a date inside this window can only be paid in full.
Price Type and Total Payable: As for a Deadline plan. The total is split evenly across the generated installments.
Charge Deposit During Purchase: Takes a deposit at checkout.
Deposit Amount Type: Choose Fixed Amount or Percentage for the deposit, then enter the deposit amount.

Note:

Booking-Anchored plans can only be assigned to bookable products, and bookable products can only be assigned Booking-Anchored plans. Bookable products support Product Level plans only.
A Booking-Anchored plan saved without a frequency is saved as Inactive.
If WooCommerce Bookings is deactivated, existing Booking-Anchored plans are not offered and their settings become read-only, but their status can still be changed.

They are offered again automatically once WooCommerce Bookings is reactivated. While WooCommerce Bookings is inactive, new Booking-Anchored plans cannot be created.

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.

Plans can also be assigned directly to a product without a rule. See Assigning Plans from the Product Edit Screen below.

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).

If a Booking-Anchored plan is linked to a rule, it only applies to the bookable products matched by that rule. Non-bookable products matched by the same rule won’t offer it.

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.

Assigning Plans from the Product Edit Screen

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Payment plans can be assigned to a single product or variation directly, without creating a Product Level Rule. Edit the product and open the Payment Plan Suite tab in the Product data panel.

Current Assignment: Shows which plan currently applies to the product and through which rule, or that an override is active.
Override Rules for this Product: When enabled, the plans selected below are assigned to this product directly, ignoring any Product Level Rule that would otherwise apply. For variable products, this sets the default for every variation.
Assigned Payment Plans: Select one or more plans. Each plan shows its Schedule Type and frequency, and the list can be searched. If an override is enabled but no current plan is selected, the product is sold as a regular product.
Add New Plan: Opens the Add New Payment Plan screen in a new browser tab. Once saved, the plan appears in the list above.
Configure Payment Plans per Variation (Per-Variation Overrides, variable products only): By default, every variation follows the product’s payment plan setting. Enable this to set different plans for one or more variations individually.

For bookable products, only Booking-Anchored plans can be assigned on this tab.

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.
Combine Overdue Installments: When enabled, if a customer has more than one unpaid overdue installment on a plan purchase, those installments, plus any installment newly coming due, are combined into a single new order. When disabled, further installments are not billed until the existing overdue installment(s) are paid.

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:
- WooCommerce Stripe Gateway: Stripe – Credit Card/Debit Card, SEPA Direct Debit and Stripe Link, including compatibility with Stripe’s newer checkout/payment-method experience.
- WooCommerce PayPal Payments: PayPal wallet and Advanced Credit and Debit Card Payments.
- WooPayments.
- FunnelKit Payment Gateway for Stripe WooCommerce.
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.

If an automatic payment can never succeed, for example because the saved card or customer was removed at the gateway, or the payment gateway plugin has been deactivated, it is not retried. The plan purchase is switched to Manual payment and the customer is emailed a payment link. A purchase paid with a card that wasn’t saved is also set to Manual payment.

On stores that authorize Stripe payments and capture them later, an installment is counted as paid only once it is captured, and a partial capture is not recorded as paid in full.

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.

Troubleshooting

Only for staging and test sites. These options change how the plugin behaves in the background.

Enable Staging Mode: Treats the site as a staging or test copy. While enabled, no plan purchase is charged, updated or expired automatically, and no automated email is sent to customers, including reminders, overdue notices and schedule updates. Anything an admin does manually still works as normal. A warning notice is shown on every admin screen while Staging Mode is on. When it is switched off, installments that fell due while it was on are processed. Leave this off on a live site.

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.
For bookable products, the customer first chooses their booking date; the Booking-Anchored plans that fit that date are then shown, with a schedule ending on the booking date. If the booking date is inside the plan’s Cut-off Period, only full payment is available.

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.

Creating a plan purchase for a customer

Admins can create a plan purchase for an existing customer directly, without the customer placing an order. On the plan purchases list, click Create New to open the New Plan Purchase screen, then complete the 4 steps:

1. Customer: Search for an existing customer by name or email. The plans on offer depend on the customer, so choose the customer first.

2. Products: Add one or more products and set their quantities. For variable products, choose the exact variation. Bookable products cannot be sold from this screen, since their schedule is built from the booking date the customer chooses at checkout.

3. Payment Plan: Choose a plan. Only plans that apply to every selected product, for this customer, are listed. If no plan applies to the combination, adjust the selection or create separate plan purchases.

4. Total & Schedule: Review the calculated Total Payable and the Installment Schedule Preview. Optionally enter a Custom Total Payable for the whole plan purchase (leave empty to use the calculated total). Then click Create Plan Purchase.

The plan purchase and the order for its first installment are created, and the customer is emailed a request to pay that order. A note on the plan purchase records which admin created it and, if used, the overridden total.

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 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.

If the saved payment method can no longer be charged, the purchase is switched to Manual payment mode and the customer is emailed a link to pay the installment.

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 Combine Overdue Installments is enabled and a customer has more than one unpaid overdue installment, those installments, plus any installment newly coming due, are billed together in a single new order, and the payment reminder email refers to that combined order.

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.

Bookings Paid with a Payment Plan

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When a booking is bought with a Booking-Anchored plan:

The booking’s status is Partially Paid while its plan purchase still has installments to pay, and the booking keeps its slot while the plan is on schedule. Once the plan purchase is completed, the booking is marked as paid.
If the booking’s date is changed, by the admin or by a reschedule, the remaining installment schedule moves with it.
If the booking is cancelled, the plan purchase is cancelled. The order for the installment that was already paid is left as it is.
On WooCommerce > Bookings, the Status column links each booking to its plan purchase and shows how many installments have been paid and when the next one is due. The booking edit screen shows a notice that the booking belongs to a plan purchase.
In My Account > Bookings, customers see a message explaining that the booking is being paid in installments and is held while the payments are made.

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.

Download and install Poedit
Open the file payment-plan-suite -> languages folder -> payment-plan-suite.pot using Poedit.
Create a new translation file by clicking Create new translation button
Choose the Source text and set its corresponding French text in Translation Text Area.
Save the changes.
Save the file name as payment-plan-suite-fr_FR.po.
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’);
If you use WordPress Version 4.0 or above, go to WordPress dashboard -> Settings -> General and select the Site Language as French.

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