Payment Plans
Turn a past-due balance into a structured repayment plan with scheduled installments, automatic reminders, and paused dunning.
Payment Plans are enabled per organization. If you don’t see Payment Plans in your workspace, contact your CSM.
What is a payment plan?
What is a payment plan?
A payment plan turns a customer’s past-due balance into one structured repayment agreement, so your team chases scheduled installments instead of individual invoice due dates. For example, “Installment 3 of 10 — $20,000 due Friday.”Payment plans are built for customers with a large or delinquent balance that you still want to keep doing business with. These arrangements are often tracked by hand in spreadsheets today.A plan captures:
- The open balance being paid down
- A payment cadence (for example, weekly) and the number of installments
- Optional headroom for the new sales you expect to keep extending to the customer during the plan
What's the difference between a guided plan and a custom plan?
What's the difference between a guided plan and a custom plan?
- Guided plans — Stuut calculates the plan for you. The plan total is the open balance plus any expected new sales during the plan (average sales per period × number of periods). Stuut can suggest the average sales amount from the customer’s history. The total is split evenly across installments.
- Custom plans — you set the plan amount yourself. Use this when you’ve negotiated specific amounts with the customer, or when the plan should cover specific invoices.
Does a payment plan cover specific invoices?
Does a payment plan cover specific invoices?
No. Payment plans are balance-based: they run against the customer’s total balance rather than being linked to individual invoices. Your invoices stay in Stuut for accounting and audit purposes.If a plan needs to match specific invoices, create a custom plan whose amounts equal those invoices.
Can I save a plan as a draft before it goes live?
Can I save a plan as a draft before it goes live?
Yes. You can save a plan as a draft and edit it freely, for example while you agree terms with the customer. Nothing changes on the account until you activate the plan.
What happens to dunning when a plan is active?
What happens to dunning when a plan is active?
Once a plan is active, regular dunning on the customer’s invoices pauses automatically. Your team, and Stuut’s reminders, focus on the plan’s installments instead.When the plan is completed, the pause lifts and regular outreach resumes.
Which emails does Stuut send for a payment plan?
Which emails does Stuut send for a payment plan?
When Payment Plans are enabled, four payment-plan reminder workflows are set up for your organization:
- Plan created — lets the customer know the plan and its schedule.
- Installment due soon — sent a few days before each installment (3 days by default).
- Installment due today — sent on the due date.
- Payment received — sent when an installment is marked as received.
Where do I turn payment-plan emails on or off?
Where do I turn payment-plan emails on or off?
Go to Agent Settings → Payment Plans. You’ll see a list of the payment-plan workflows, when each one sends, and a toggle for each. The Configure button on the Payment Plans page takes you there too.Payment-plan templates have their own variables (installment amount, due date, amount remaining and more). The collector’s name is available under Sender variables.
How do I record that an installment was paid?
How do I record that an installment was paid?
Collectors mark each installment as received, with a confirmation step. Payment matching to installments is manual for now, so Stuut doesn’t mark installments paid from payment data automatically.Before an installment is due, Stuut creates a task reminding the assigned collector to check whether the payment arrived, so automated emails don’t go out based on stale information.
Can I edit a plan after it's active?
Can I edit a plan after it's active?
Not yet. To change an active plan’s amounts, dates, or number of installments, cancel it and create a new plan. Editing active plans is on the roadmap.
What happens if I complete a plan early?
What happens if I complete a plan early?
Any installments still unpaid when you complete a plan are marked canceled, and regular outreach resumes.
How do I see which customers are on a payment plan?
How do I see which customers are on a payment plan?
On the Customers page, filter to customers with an active payment plan.
Does Stuut follow up automatically on a missed installment?
Does Stuut follow up automatically on a missed installment?
The collector’s reminder task before each due date is your prompt to check whether the installment arrived and follow up if it hasn’t. Ask your CSM which missed-payment reminders are available for your workspace.