--- title: "How to create payment plans in Qualy" description: "Split a total amount into scheduled instalments and send the whole plan to your customer in one go." lastModified: "2026-07-17" lang: "en" wordCount: 958 url: https://qualyhq.com/training/payments/creating-payment-plans --- ## Site navigation - [For schools](/international-education/for-schools.md) — For international education schools - [For agents](/international-education/for-education-agents.md) — For international education agents - [Explore](/training.md) — Watch videos on how to use Qualy - [About](/about.md) — Learn about Qualy's mission and values - [Pricing](/pricing) - [5-min demo](/demo.md) - [Login](https://dashboard.qualyhq.com) # How to create payment plans in Qualy > Turn one total into a schedule of instalments your customer pays over time. ## At a glance - **Intended for:** Everyone - **Available in:** All plans - **Reading time:** 4 minutes - **Last updated:** 31st May 2026 ## Quick summary Click "Create new payment" and choose "Create a payment plan". Pick the customer, set the items and total, then tell Qualy how to break it into instalments (by number of payments, by frequency, or by fixed dates). Review the schedule and send. Each instalment becomes its own payment with its own due date. ## Overview A **payment plan** turns a single total—like a year of tuition—into a series of scheduled instalments. Each instalment becomes its own payment with its own due date, so your customer can pay over time and you keep full visibility of what's paid and what's still owed. This guide covers creating a plan manually. If you'd rather have Qualy build the plan for you, see the AI import and templates guides linked at the end. ## Step 1 – Start a new payment plan From the **Payments** page, click **"Create new payment"**. Qualy asks you to **choose how to create a payment**: - **Create a payment plan** — many payments at once (this guide) - **Create a single payment** — one one-time payment - **Create a subscription** — open-ended recurring payments - **AI Import from PDF** — let Qualy AI extract plans from offer letters Choose **"Create a payment plan"** and click **Continue**. ## Step 2 – Select the customer and add items 1. Select the customer (or create a new one on the spot) 2. Add each **item** that makes up the total—for example *Tuition*, *Enrolment fee*, *Materials* 3. Enter the amount for each item Amounts are shown in your account's currency. If you collect in more than one currency, pick the currency for this plan before adding amounts. ## Step 3 – Tell Qualy how to split the plan This is the heart of a plan. Choose the rule Qualy uses to break the total into instalments: ### By number of instalments Enter how many instalments you want (for example, 10). Qualy divides the total evenly and proposes a due date for each one. ### By frequency Choose a cadence—**weekly**, **every 2 weeks**, or **monthly**—and a start date. Qualy generates instalments at that interval until the total is covered. ### By fixed dates Set specific due dates yourself. Useful when a school's payment schedule is irregular (for example, one payment per term). You can always fine-tune the result. After Qualy proposes the schedule, edit any instalment's **amount** or **due date** individually. ## Step 4 – Review the schedule Before saving, check the proposed instalments: - Each instalment's **amount** and **due date** - The **total** matches what the customer owes - Any **deposit** or first payment is correct The instalment amounts must add up to the total. If you edit one instalment, check that the remaining instalments still reconcile to the full amount. ## Step 5 – Save and send Click **Save**. The plan is created and the customer can see all upcoming instalments in their portal. From here you can: - Share a payment link (see the payment link guide) - Let Qualy send automatic reminders before and after each due date - Set up direct debit so instalments are collected automatically ## Common use cases ### Deposit now, then monthly instalments Set the first instalment to your deposit amount with today's due date, then split the remainder into even monthly instalments. The customer pays the deposit immediately and the rest over the coming months. ### One payment per term Use **fixed dates** and set a due date for the start of each term. Qualy reminds the customer before each one. ### Same plan for many customers Build the plan once, save it as a **template**, and apply it to each new customer—or bulk-create plans from a CSV or PDF import. ## Frequently asked questions ### What is the difference between a payment plan and a single payment? A single payment is one charge with one (optional) due date. A payment plan splits a total into several instalments, each becoming its own payment with its own due date, so the customer can pay over time. ### How does Qualy split the total into instalments? You choose the rule: a fixed number of instalments, a frequency (for example weekly, fortnightly or monthly), or specific due dates. Qualy then calculates each instalment amount and you can adjust any of them before saving. ### Can each instalment have a different amount? Yes. Qualy proposes an even split, but you can edit any individual instalment's amount or due date before you save the plan. ### Can I attach a deposit or enrolment fee as the first instalment? Yes. Add it as an item or set the first instalment to a different amount and due date. A common pattern is a larger deposit due now, followed by even monthly instalments. ### Does the customer receive one link or many? The customer sees all their upcoming payments together in their portal, and each instalment can also be paid individually. Reminders are sent per instalment based on your reminder settings. ### Can I reuse a plan I set up before? Yes. Save the structure as a template and apply it to future customers from the create flow. Templates can also set flexible amounts and append text to reminder emails. ### Can I create plans in bulk for many customers at once? Yes. You can import a CSV or use Qualy AI to extract plans from PDFs, and bulk-create plans from a template. See the Import guides for details. ## Prefer doing this via the Qualy API? Head over to our developer docs for everything you need—endpoints, examples, and simple how-tos. 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