Pay-in-Full vs Payment Plan
Position as
Pay-in-full discount
Installments
Pay in full
save 5%$5,700
$6,000
- Collectedtoday, one charge
- Collection risknone
- Worth to you$5,700
Payment plan
4 payments$1,500/mo × 4
$6,000 total
- Collectedover 4 months
- Collection risk6% assumed
- Worth to you$5,640
Pay in full is worth $60 more per buyer. The plan would need 95.0% collection to win, and you assume 94%. As a rough planning estimate, manual invoicing tends to leak more of plan revenue than auto-billing with retries and reminders. Your own collection rate is what decides which option wins, so set the slider to yours.
How much discount should pay-in-full get?
Price both options side by side. See what each one is worth per buyer once collection risk is priced in, where the break-even sits, and the two prices to say out loud on the call.
For coaches, consultants, and agencies selling high-ticket offers, a pay-in-full discount only makes sense if it is cheaper than the revenue you lose to failed cards and ghosted installments. This calculator prices a pay-in-full discount or a payment-plan premium, estimates the expected value of each per buyer, and shows the exact collection rate where the plan starts to beat paying in full.
When you have the numbers, Offry applies discount rules like pay in full to save 5 percent, or fewer installments for a bigger discount, automatically on a branded offer that collects the deposit on the call and auto-bills every installment through your own Stripe account.
Stop doing this math mid-pitch
Offry's discount strategies apply rules like pay in full to save 5 percent, or fewer installments for a bigger discount, automatically on the offer page, recalculated live while your prospect watches.