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OffryOffry

Stripe Payment Plan Builder

$
Quick split

Offer builder

30%

Installments

Live preview · what your client sees

Due on the call

$3,600

$3,600 today, then 2 payments of $3,600 to $4,800 monthly. Paid in full by Dec 27, 2026.

  • Deposittoday$3,600
  • Installment 1Nov 27$4,800
  • Installment 2Dec 27$3,600
Send as a live offer

Stripe Payment Links alone

What most people try first

  • Fast to set up, no code
  • No auto-charge: your client must come back and pay each installment by hand
  • You send 3 separate links and chase each one
  • Nothing stops them ghosting after payment 1

The subscription hack

Create a subscription, cancel it after N cycles

  • Auto-charges the saved card
  • Breaks on your split: subscriptions only bill equal amounts, and 30/40/30 isn't equal
  • Forget to cancel on time and you bill installment N+1, which means a refund and an awkward email
  • Failed payment? Stripe's subscription dunning wasn't built for a 3-payment deal

What this schedule needs

Scheduled charges on a saved card

  • Card saved once, on the call, with the deposit
  • Each installment charged on its date, any amounts, any spacing
  • Retries + reminder emails when a card fails
  • Stops itself after the last payment. No cleanup
Why this builder

Build a payment plan Stripe can't do on its own: uneven splits, auto-charged

Stripe Payment Links can't auto-charge installments, and the subscription workaround breaks the moment your split isn't equal. Design the schedule you actually want, then see what it takes to run it.

Coaches, consultants, and agencies routinely sell on a deposit plus a few uneven installments, like 30/40/30 or a bigger payment up front. Raw Stripe can't auto-charge that: Payment Links are a single charge, and subscriptions only bill the same amount every cycle, so any uneven split forces you into manual invoices you have to chase.

Shape the split any way you like, drag it, type it, read it across the calendar, or preview it as an offer, then run the exact schedule through your own connected Stripe account. The deposit is charged on the call and every installment is auto-charged on its date, with retries and reminders if a card fails.

Why this is hard in raw Stripe

The short version, if you're evaluating the workarounds:

A Payment Link is a single checkout: one price, one charge (or one recurring subscription). Stripe's invoice-based "payment plans" send your client an invoice for each installment, but the saved card is not charged automatically. Every installment is a small act of faith that your client opens the email and pays.

Run this exact schedule on your own Stripe account

Send it as a branded offer with a hard expiry. Deposit on the call, the rest auto-billed, with retries, reminders, and card updates handled.

Send it with Offry →