Flexipay is our most flexible plan — and the only Paythen plan where each customer designs their own payment schedule within the rules and limits you set.

See an example

With every other plan type in Paythen, you pre-define the payment structure (billing interval, specific dates, number of payments, etc.) and customers sign up to it as-is.

Flexipay is different: you set the boundaries, and your customers fill in the details. They choose whether to pay in full immediately, how much to pay upfront, how often they'd like to be charged, and how many payments they want to spread things across — or even pick their own specific payment dates and amounts.

You're always in control though. You decide:

Within those guardrails, your customer decides how they structure their payment plan. This Flexibility for you as the business owner, and for your potential customers to align with their financial situation and cashflow, helps you sell more.

Flexipay is a great fit when:

The setup instructions below are for creating direct plan links where you set a price in advance. If you're looking to use Flexipay on eCommerce, with Zapier, or other workflows where each customer's total varies, you want to use a template instead of a plan. Read more about templates.

To create a Flexipay plan, click the green + icon in your Paythen dashboard menu. On the plan type selection screen, choose Flexipay:

The creation form is split into three sections: the basic plan info, the pay in full option, and the payment plan option. There's also a general settings section at the bottom that applies to both options.

Fill in the standard fields, these are similar to other plan types:

It can be helpful to have this example plan open as you are populating fields to see how each one shows to your customers.

This section controls whether customers see an option to pay the entire amount upfront in a single payment.

This toggle is on by default. When enabled, a "Pay the full amount now" option appears at the top of the customer payment page alongside the payment plan option. You can turn this off if you only want to offer a payment plan. If you switch it off, customers will only see the payment plan option at checkout, like this example.

To incentivise customers to pay in full upfront, you can offer them an optional discount. Select Yes and enter either a percentage (e.g. 10%) or a fixed amount (e.g. $100). Paythen automatically deducts this from the price you entered. Customers will see a "SAVE X%" badge next to the pay in full option.

Add custom text for the pay in full option — useful for reinforcing the value, e.g. "Pay the full amount now and get 10% off. You'll get immediate access to everything included in the course."

You can control which option is pre-selected (highlighted) when customers land on the payment page — the pay in full option or the payment plan option. By default, pay in full is pre-selected. If you want to steer customers towards the payment plan, switch this to Payment plan option.

This is where Flexipay's real power lives. This section controls the rules within which your customers can design their own payment plan.

Add custom text for the payment plan option. This is shown directly on the payment page inside the payment plan card. Use it to clearly communicate the parameters you've set — Eg:

"Pay via an easy payment plan that matches your cashflow. You'll need to pay 10% now and the remaining amount within 12 months. You can choose to pay weekly, monthly or even on custom dates."

When enabled, you set a minimum payment amount — the minimum deposit customers must pay immediately when they sign up. They can always choose to pay more upfront; this is just the floor.

Eg: If your plan total is $2,000 and you set a minimum of 10%, customers must pay at least $200 immediately. They can choose to pay $500, $800, or any amount equal to or more than $200.

If you don't set a minimum, customers will still be required to pay a minimum of US$1 or equivalent (depending on the plan currency). This helps ensure customers are using valid cards that can accept payments and minimizes decline rates for future installments.

When enabled, customers can choose their payment frequency and number of instalments — but only within the deadline you set.

You set the deadline using one of two fields:

If you'd like to cover admin costs or card processing fees for instalment customers, you can add a surcharge. Select Yes and enter the amount. This is spread evenly across all payments over the duration of the plan.

You can incentivise customers to pay off their plan ahead of schedule by offering a discount when they make early repayments. Select Yes and enter a fixed amount or percentage. The discount applies to their outstanding balance at the time they choose to pay early.

This is surfaced to customers on their customer page – but you can highlight this in hte payment plan description too. Eg: Pay your balance early any time to get 5% off.

When this toggle is on, customers see a "cancel my plan" option on their customer summary page, letting them cancel their plan themselves – not automatic refunds are issued. If it's off, they'll need to contact you directly to cancel. You can always cancel a customer's plan from your Paythen dashboard regardless of this setting.

These settings apply to both the pay in full and payment plan options.

Same as all other Paythen plan types. You can collect additional information from customers at checkout — phone numbers, text responses, or other inputs. Custom fields can be optional or required. Only you and your team can see the data submitted. Phone fields auto-validate based on the country selected and save in a consistent international format for all customers regardless of how they enter them.

When enabled, customers must tick a checkbox to confirm they agree to your payment plan terms before completing their payment. We strongly recommend enabling this and customizing the terms to include your refund policy, cancellation policy, late payment fees, and any other relevant information.

You can add custom text to two automated emails sent to customers:

Use this to add links, explain what customers should expect, and include any other helpful context. Emoji are supported too.

You can preview all system emails sent by Paythen in your email settings here.

By default, customers see Paythen's confirmation screen after completing their payment. You can redirect them to a custom URL instead — useful for sending them back to your own website or a specific onboarding page.

Once you've configured everything, click the green Create Plan button. You'll get a unique Flexipay link you can share anywhere — on your website, via email, WhatsApp, or any other channel. No login required for customers.

When a customer opens your Flexipay payment link like this one, they'll see two payment options presented clearly on the page (if you've enabled both). Pay in full is self-explanatory.
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If a customer selects the payment plan option, they'll see three fields to let them customize the payment plan to suit them.

If a customer selects On specific dates, they can choose their own dates and set a specific amount for each date. They can add as many dates as they like, as long as the final payment falls within your deadline and they've covered the full amount.

This helps customers align their payment plan dates and amounts precisely around their pay cycle or cash situation, significantly reducing the chances of future failed payments and increasing your conversion rate.

Once the customer completes their details, they enter their name, email, and payment information (card details, Apple Pay or Google Pay) and click Pay Now. They'll immediately receive a confirmation email with their payment schedule and peronalized plan link, like this example.

Once a customer signs up, Paythen handles everything automatically — no manual action required from you. Payments are automatically charged on the dates and amounts the customer chose when they signed up.

Each customer will receive:

You can preview all emails in your email settings here.

All Paythen emails sent to your customers include their personal customer link. They can view their payment history, access receipts, upcoming payments, and change their payment method at any time via this page. They can also make part or full early repayments.

Customers with active plans can also access their personal links via your public company page by entering their email. You can see (and partly edit) this link in your Paythen account settings here. We recommend adding this public link in your help docs, in your site's footer and anywhere else that's relevant to minimize customer support enquiries from customers asking how they can access their plan info.

A customer's status will update to Completed once all payments have been collected.

If a scheduled payment fails, Paythen automatically re-attempts it the next day. Both you and the customer are notified immediately via email, and the customer's status changes to Overdue – Retrying in your dashboard so you can easily spot it. Once the retry succeeds, the status returns to In Progress. If payment attempts continue to fail, we have various overdue statues – you can read about them here.

Can I offer only the payment plan option and remove the pay in full option?
Yes. Toggle off "Let customers pay the full amount upfront" in the Pay in full option section. Customers will only see the payment plan option.

Can I offer only the pay in full option?
If you only need a pay in full option without a payment plan, a standard one-off plan link is a better fit. Flexipay is designed for situations where you want to offer at least the payment plan option. You can create a one-off plan from the same plan selection page in your dashboard (the green + icon).

What happens if a customer wants to pay off their plan early?
Customers can pay off their remaining balance early at any time via their customer summary page. If you've set up an early-pay discount, they'll see the discounted amount they owe and can choose to pay it off in one go. Customers can choose to pay the next milestone, any ad-hoc amounts or the full remaining amount. The "early-pay discount" only applies if they pay the full balance early.

Can two customers on the same Flexipay plan have completely different payment schedules?
Yes — that's exactly how Flexipay works. Each customer designs their own schedule when they sign up. Customer A might pay weekly over 6 months; Customer B might choose 3 specific dates; Customer C might pay monthly over a year and Customer C might choose to pay in full immediately. They're all on the same Flexipay plan but have entirely different schedules.

Does Flexipay work with WooCommerce or Shopify?
Yes — Flexipay templates are available for eCommerce integrations. Templates let you pass each customer's order total via a URL parameter, so every customer gets a personalised Flexipay payment plan based on their cart total.

Paythen has a WooCommerce plugin that handles all this automatically and templates can be used with our Zapier "Send payment plan link" action to enable almost any other workflow including Shopify, Webflow, changes in your CRM, and more.

Can customers change their payment schedule after signing up?
Customers set their schedule when they sign up and it is fixed from that point. If a customer needs to change their schedule after signing up, you will be able to change their dates (this functionality is available on other plans and will soon be available on Flexipay too).

Does Flexipay work with Zapier?
Yes — all Paythen Zapier triggers and actions support Flexipay plans. Flexipay templates also work with Zapier: you can build a Zap that uses Flexipay plan and customer data, or sends customers a Flexipay plan link based on triggers from other apps – like Shopify, Webflow and thousands of other apps on Zapier.

🙋 Have questions, feedback, or need a hand? Reach out to us via chat or email hello@paythen.co. We'd especially love to hear how you're using Flexipay, what's working well, and what we can improve. Your feedback directly shapes what we build next!