# Payment schedules

Let customers pay for a course or program in installments, and see what is paid and what is owed.

Canonical URL: https://www.naayya.com/help-center/payment-schedules
Category: payments
Last updated: 2026-11-10T10:30:00Z

# Payment schedules

A payment schedule sets when a customer pays for a course or program. A course paid in installments is still a course: the customer enrolls once and every session is reserved at purchase. Owners and managers set schedules up in **Admin > Programs**.

## Add a payment option

Each payment option is one way to pay, with its own total price. A new program starts with **Full payment**.

1. Open **Admin > Programs**, then open a program or select **New program**. A course you priced with **Set course price** has a program there, named after the course. If **Programs** is not in the sidebar, [switch it on](/help-center/offerings-settings).
2. In the **Payment options** step, select **Add payment option** and choose **Monthly**, **Quarterly** or **Split payments**.
3. In the schedule window, choose how payments are collected:
   - **On set dates**: enter the **First payment**, the **Number of payments** (2 to 12) and the **Following collection day**. Choose **Every month** or **Every 3 months**, then select **Generate dates**. Use **Edit individual dates** for exceptions. Every date must fall within the program dates.
   - **Starting on purchase date**: enter the **Number of payments** (2 to 12). Payments follow one month apart, on the day each customer buys. For days 29 to 31, shorter months use their last day.
4. In the **Pricing** step, enter the total price for each payment option.
5. Select **Publish program**. On a program already on sale, **Publish changes** applies only to new purchases.

The total is split into equal payments. If it does not divide evenly, the first payments are one cent higher. Each payment must reach a minimum amount: when the total is too small, publishing shows the lowest amount allowed and the most payments the total supports.

Program prices include VAT when your business is VAT registered. A program cannot be published while your business adds VAT on top of its prices. See [Tax settings](/help-center/tax-settings).

## What customers see

On the course or program page, **Payment schedule** lists each option with "One payment at checkout.", "N monthly payments, starting today." or "N scheduled payments." After **Continue to payment**, checkout shows every payment with its amount and date.

- The first payment is taken at checkout. If the first scheduled dates have already passed, the payment due today combines them.
- Checkout says the payment method will be saved and charged automatically for the remaining payments.
- Customers pay by card or, where your business offers it, SEPA Direct Debit. See [Payment methods](/help-center/payment-methods). Account credit can pay only a pay-in-full option.
- The customer gets an email five days before each later payment, and another when it is collected.
- **Account > Payments** shows the plan under **Programs and payment plans**. Each payment is **Paid**, **Scheduled**, **Processing** or **Payment failed**.
- Where your program allows it, the customer can review a cancellation from the plan. Which future payments stop follows the program's cancellation policy. See [Booking policies](/help-center/booking-policies).

## If a payment fails

The customer gets an email. If another attempt is scheduled, it gives the date. If none is left, it says no further attempt is scheduled. The owner gets an email too. The enrollment stays active, and no credits or sessions are removed.

## Where you see installments

- **Admin > Programs > Enrollments** shows **Installments**, for example "2 of 6 paid", and **Next installment**. See [Find who is enrolled](/help-center/workshop-vs-course#find-who-is-enrolled).
- **Admin > Payments > Amounts owed** lists a **Course instalment** that the customer's card did not pay. See [See who owes what](/help-center/record-offline-payments#see-who-owes-what).

## Related articles

- [Workshop vs Course: Which One Should You Use?](/help-center/workshop-vs-course)
- [Send customer account messages](/help-center/send-customer-account-messages)