> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pocketsflow.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment plans

> Let buyers split a price into 2 to 6 payments, 30 days apart. They get the product on the first payment.

A payment plan shows **“3 payments of \$99”** next to the full price on your
checkout. The buyer picks one; nothing changes for buyers who pay in full.

<Note>
  Payment plans are part of the **Growth** plan and above.
</Note>

<Steps>
  <Step title="Turn it on">
    In the product editor, open the **Checkout** step and switch on **Offer a
    payment plan**. The product needs a fixed price (pay what you want
    products can't be split).
  </Step>

  <Step title="Choose the split">
    Pick **2 to 6 payments** (3 by default). You can add an optional
    **payment plan fee** of up to 25% on the whole price. The editor shows
    what buyers will see, for example `3 payments of $33.34`.
  </Step>

  <Step title="Sell">
    The checkout offers **Pay in full** or **N payments**. The order summary
    shows what is due today and what follows.
  </Step>
</Steps>

## How it works

* **Access on the first payment.** The buyer gets the product, receipt,
  license key and course access exactly as with a one-time purchase, as soon
  as the first payment succeeds.
* **Every payment is an order.** Each payment is recorded as its own order
  with `installment: { index, of }` (for example `{ "index": 2, "of": 3 }`).
  Payments 2 and later record the money only; nothing is delivered again.
* **Rounding.** Each payment is rounded **up** to the cent, so you never
  receive less than the price: $100 in 3 payments is 3 × $33.34.
* **It ends by itself.** After the last payment the plan stops. Nothing is
  charged afterwards.
* **Failed payments.** If a later payment fails, the card is retried
  automatically and the buyer keeps access. You get an email and a push
  notification, and the `installment.failed` webhook fires.
* **Refunds.** Refund any payment from its order, like any other order.
* **Fees.** The platform fee applies to each payment, as it would to a
  single payment of the same amount.
* **Not combined with add-ons.** A buyer who adds an order bump pays in full;
  the plan option says so.

## Webhooks

| Event | When |
| - | - |
| `installment.paid` | Each payment of a plan succeeds, the first one included. |
| `installment.failed` | A later payment fails. |

Payment 1 also fires the usual `order.completed`. See
[webhook events](/api-webhooks/events#installment-paid).

## API

Turn it on with `PATCH /products/{id}/payment-plan` (API key). See
[Payment plans and exit offers](/api-reference/checkout-offers).


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