The price stalls the sale.
A buyer wants the program but can’t pay $4,800 today. You could offer a plan, if tracking it weren’t a second job.
Payment plan software for Stripe
Payment plans for your Stripe account.
Offer a deposit and monthly installments on any high-ticket sale. Your customer accepts the exact schedule, pays each installment through Stripe, and you always know what’s paid and what remains.
No lender. No new processor. Stripe collection is in a sandbox pilot. No live payments yet.
Fictional example · 6-month coaching program
$4,800Agreed total
$1,200Deposit
6 × $600Monthly
| Due | Amount | Status |
|---|---|---|
| Deposit | $1,200 | Paid |
| Nov 1 | $600 | Paid |
| Dec 1 | $600 | Invoice open |
| Jan 1 | $600 | Scheduled |
| 3 more installments | $1,800 | Scheduled |
| Paid | $1,800 | |
| Remaining balance | $3,000 | |
The customer accepted this schedule. Each installment is paid on Stripe.
Offering a payment plan shouldn’t be the hard part.
Most service businesses already say yes to plans. The trouble starts after.
The balance lives in a spreadsheet.
Stripe shows payments. Your sheet shows who owes what. Every month you check one against the other.
The “plan” is a subscription you must remember to cancel.
No deposit, no total, no end you can trust. Move one payment and the math is yours to fix.
How Cadence works
From one price to a schedule your customer agreed to.
- 01
Build the plan
Set the total, deposit, number of monthly installments and first due date. Cadence splits the balance to the cent, so the schedule always adds up to the price.
Working
- 02
Your customer accepts the exact terms
Send a private, revocable link. Your customer reviews every amount and date and accepts that version of the schedule.
Sandbox pilot
- 03
Installments go out as Stripe invoices
Each installment is issued as a Stripe-hosted invoice from your own Stripe account. Your customer pays on Stripe. The money lands in your balance, not ours.
Sandbox pilot
- 04
The balance updates on verified payment
Cadence checks each payment with Stripe before it counts. A declined card leaves the balance exactly where it was.
Sandbox pilot
Change the schedule. Keep the history.
Preview a new schedule next to the old one before anything changes. Paid installments stay exactly as they were.
Current schedule
| Due date | Amount | Status |
|---|---|---|
| Deposit | $600 | Paid (demo) |
| Nov 1 | $400 | Upcoming |
| Dec 1 | $400 | Upcoming |
| Jan 1 | $400 | Upcoming |
| 3 more installments | $1,200 | Upcoming |
| Remaining balance | $2,400 | |
Proposed schedule
| Due date | Amount | Status |
|---|---|---|
| Deposit | $600 | Paid (demo) |
| Nov 15 | $400 | Upcoming |
| Dec 1 | $400 | Upcoming |
| Jan 1 | $400 | Upcoming |
| 3 more installments | $1,200 | Upcoming |
| Remaining balance | $2,400 | |
Immediate charge$0
Balance after changes$2,400
Fictional example. Schedule previews and audit history work on draft plans today. Changing a plan the customer has already accepted, with fresh consent, is planned.
Why not BNPL, a subscription or a spreadsheet?
Each one solves part of the job. Here is what each leaves to you.
| Capability | Cadence | Buy now, pay later | Stripe subscription | Invoices + spreadsheet |
|---|---|---|---|---|
| Money goes to your Stripe account | Yes | Paid out by the provider | Yes | Yes |
| You decide who gets a plan | Yes | Provider approves the buyer | Yes | Yes |
| Deposit plus installments | Yes | Varies by provider | Workarounds | Manual |
| Customer accepts exact amounts and dates | Yes | Provider’s terms | No | Manual |
| Running paid and remaining balance | Yes | Not your ledger | No | Manual |
| Who carries non-payment risk | You | Usually the provider | You | You |
General comparison. Provider terms vary; check each provider’s current terms. Cadence’s collection features are in a sandbox pilot.
Built for businesses that sell big things
If your customers make one considered purchase and pay it off over months, Cadence fits.
Coaches and consultants
Close the sale on the call. Offer a deposit and monthly plan for a $3,000–$15,000 program.
Payment plans for coaches →Training programs
Tuition-style plans for bootcamps, certifications and cohort courses, with a clear end date.
Tuition payment plans →Professional services
Take a project deposit and collect the rest over time, without chasing invoices in a spreadsheet.
Plans for service businesses →Questions
Is Cadence a lender or buy now, pay later provider?
No. Cadence does not lend money, approve buyers or pay you in advance. You offer the plan, your customer pays you over time, and Cadence administers the schedule and balance.
Where do payments go?
Each installment is a Stripe invoice issued from your own Stripe account, so payments settle to your Stripe balance under your normal Stripe pricing. Cadence does not hold funds.
Can I use Cadence today?
Not yet. Stripe collection is in a sandbox pilot. No live payments yet. Automatic card charging, reminders and changes to accepted plans are planned.
What kinds of businesses is Cadence for?
Businesses on Stripe that sell high-ticket services or programs: coaches and consultants, training and education providers, and professional or creative services that take a deposit and collect the rest over time.
How much will it cost?
The proposed price is $79 per month, plus your usual Stripe fees. It is not final and there is no checkout yet.
Offer the plan. Know the balance.
Stripe collection is in a sandbox pilot. No live payments yet.