Payment Plans
A payment plan lets fans pay in fixed installments on a schedule you choose — for example $99 per month for 3 months. After the last payment, billing stops automatically. There is no open-ended subscription to cancel later.
Creator plan and above
On the Free Flo plan, product pricing is one-time only. Payment plans (and subscriptions) unlock on Creator, Pro, and Studio. See Pricing overview → Flo plan limits.
Recurring prices need Flo Payments
Before you can save a payment plan, your Flo Payments earnings account must be Active. Finish setup under Settings → Flo Payments. Installments cannot charge until that is done.
Payment plans use the same Pricing editor as products and courses. They are not Memberships and not the same as a subscription that runs until someone cancels.
When to use a payment plan
| Good fit | Examples |
|---|---|
| Higher-ticket offer with a clear end date | 3× $199 for a cohort program |
| “Pay over time” without forever billing | 6 monthly payments for a bundle |
| Same product with a pay-in-full option | $497 once or 3× $179 — fan picks at checkout |
| Predictable total for you and the buyer | You know exactly how many charges will run |
| Use something else | When |
|---|---|
| One-time | Full amount in a single checkout |
| Subscription | Billing continues until the fan or you cancels |
| Memberships | Tiered hub access with its own pricing UI |
| Bookings | Per-session offers in Bookings |
How payment plans work
- You set an amount per payment (not the full total divided for you — see below).
- You pick how often each payment runs: Weekly, Monthly, or Yearly.
- You set how many payments (minimum 2).
- At checkout, the fan saves a card and pays on that schedule.
- After the final successful payment, Flo automatically stops billing. No manual step.
Example: $99 per payment · Monthly · 3 payments → the fan is charged $99 three times (about $297 total), then the plan ends.
Amount is per installment
The dollar amount on the price card is each payment, not the full program total. If you want “3 payments of $99,” enter $99 and set Number of payments to 3 — not $297 split across three.
The editor hint on Number of payments reads: Minimum 2. Subscription auto-cancels after the last payment. That means billing ends by itself after the last installment (Flo treats the plan like recurring billing under the hood, then closes it when the count is complete).
Set up a payment plan
Open the product or course
Dashboard → Products → new or existing product, or Dashboard → Courses → course → Pricing tab.
Choose Payment plan
In Pricing, open a price card (or Add price option). Under Pricing type, select Payment plan — Fixed installments.
Set You receive or Buyer pays
- You receive — target take-home per payment after fees. Flo grosses up checkout so each successful installment hits that target.
- Buyer pays — sticker price per payment (e.g. $99 each month).
Billing interval
Billing interval pills: Weekly, Monthly, or Yearly. Each installment is charged on this cadence until the payment count is reached.
Number of payments
Number of payments — at least 2 (e.g. 3 for “3 payments”). Required to save a payment plan.
Label and description
Checkout shows the per-payment amount with the interval (e.g. $99 / month). Use Label and Description to spell out the plan — e.g. label 3 payments, description Then done — no ongoing subscription.
Save and publish
Save the product or course. Add a Sell a Product (or course checkout) block, select it, Update live.
Up to three price options per product or course (e.g. one-time, 3× monthly plan, 6× monthly plan).
There is no trial period field on payment plans — trials are for subscriptions only.
You receive vs Buyer pays (each installment)
Each installment uses the same You receive / Buyer pays controls as one-time and subscription pricing.
| Mode | You set | Each successful installment |
|---|---|---|
| You receive | Target take-home per payment | Fan pays the grossed-up total you saved; guaranteed net applies on each successful charge |
| Buyer pays | Sticker price per payment | Fan pays exactly that; fees come out of your payout |
Guaranteed net on every installment
Guaranteed net applies to successful charges at the saved price, using your current Flo plan and currency rules. It does not override refunds, chargebacks, failed payments, or payout timing in Wallet.
Paid installments should meet the editor hint: Minimum $0.50 for paid prices (50¢ USD by default). $0 per payment is allowed if you want a free multi-step funnel (unusual).
What fans see at checkout
- They pick your payment plan option if you offer more than one price.
- The price line shows the per-payment amount and interval (e.g. $99 / month). Use your Label / Description to clarify “3 payments” if helpful.
- Checkout explains that installment plans renew until cancelled (same disclosure as subscriptions) and that they will review billing details before confirming.
- Featured and Minimal blocks: email + card in Flo Pay — button may read Get started or Subscribe $99.00 (wording varies by block style).
- Card-style blocks: Get started → secure hosted checkout page.
- On success: confirmation such as You're subscribed! and an email: Your payment plan for [product name] is confirmed.
Fans do not need a Flo account. They need a valid card for paid plans.
Coupons
Discount codes do not apply to payment-plan checkout. Coupons in Discounts work for one-time purchases only. See Pricing overview → Coupons.
During and after the plan
| Stage | What happens |
|---|---|
| After signup | First installment charges on the normal schedule (no trial on payment plans) |
| Between payments | Wallet → Subscriptions lists the buyer; fan portal shows Progress (e.g. 1 of 3 payments) |
| Each successful payment | Credited to your Wallet like other sales |
| Failed payment | Status may show Payment issues; fan sees Your last payment failed. Please update your payment method to keep access. in My Subscriptions |
| After the last payment | Billing stops automatically — no further charges |
| Fan portal price line | e.g. $99.00 × 3 payments with progress 3 of 3 payments when complete |
Cancelling mid-plan
Fans and creators can cancel before all installments complete. Cancellation is immediate for future charges — remaining scheduled payments will not run.
| Who | Where | Confirm copy (paraphrased) |
|---|---|---|
| Fan | My Subscriptions on your portal | Cancel your subscription to [product name]? This cannot be undone. |
| You | Dashboard → Wallet → Subscriptions | Cancel subscription for [buyer email]? This cannot be undone. |
The fan portal button still says Cancel subscription even for payment plans — it stops the plan the same way.
If a fan completes all payments, the plan ends on its own; they do not need to cancel.
Managing buyers on a plan (creator)
Dashboard → Wallet → Subscriptions — same tab as subscriptions:
- Filter by Active, Trial, Payment issues, Cancelled
- Search by buyer email
- Cancel a plan early if needed
Payment plans count toward subscriber stats while active. MRR reflects recurring revenue from active plans and subscriptions.
Fan portal: My Subscriptions
https://myflo.link/[your-username]/portal/subscriptions
For payment plans, fans see:
- Price — e.g. $99.00 × 3 payments
- Progress — 2 of 3 payments
- Next billing — when the next installment is due (until the plan completes or is cancelled)
- Manage billing & payment — update card or view invoices
Changing prices when people are already on a plan
If buyers are already on that price row, the yellow editor banner appears (same as subscriptions):
Changing the amount, interval, or type will create a new billing price. Existing subscribers stay on their current price — only new buyers will see the updated one.
| Change | Effect |
|---|---|
| Amount, interval, number of payments, or pricing type | New plan for new buyers only |
| Label or description only | Display update only |
If checkout is not ready, the product list may show Subscription price not synced — save again after Flo Payments is Active.
Payment plan vs subscription (quick reference)
| Payment plan | Subscription | |
|---|---|---|
| Flo label | Fixed installments | Recurring billing |
| Ends when | Last of N payments | Fan or you cancel |
| Number of payments | Required (min 2) | N/A |
| Trial | No | Optional |
| Auto-stop | Yes, after final payment | No |
| Free Flo plan | No | No |
| Coupons | No | No |
Courses use the same editor
Dashboard → Courses → Pricing — same Payment plan type, intervals, You receive / Buyer pays, and Number of payments. Checkout and Wallet → Subscriptions treat course buyers the same way (course title in the list).
Example setups
| Offer | Settings |
|---|---|
| 3-month cohort | $149 · Monthly · 3 payments · Label 3 payments |
| Weekly stretch plan | $49 · Weekly · 4 payments |
| Pay in full or plan | One One-time price $497 + Payment plan $179 · Monthly · 3 |
| You receive $100 each month, 6 times | You receive $100 · Monthly · 6 payments |
Troubleshooting
| Issue | What to try |
|---|---|
| Cannot save payment plan | Creator+ Flo plan; Flo Payments Active |
| Number of payments is required | Enter at least 2 |
| Payment plan must have at least 2 installments | Same — minimum 2 payments |
| Fan charged wrong total | Amount is per payment — multiply by number of payments for full total |
| Plan still charging after N payments | Contact support if count reached but billing did not stop — should auto-end after last success |
| Fan cancelled early | Expected — no further installments |
| Coupon ignored | Coupons are one-time only |
| Checkout not configured | Save product after Flo Payments is active; fix Subscription price not synced on product card |
| Need ongoing billing | Use a subscription, not a payment plan |
| Want a trial before first payment | Use a subscription with Trial period (days) — not available on payment plans |
Quick checklist
- Creator+ Flo plan
- Flo Payments Active
- Pricing type → Payment plan (Fixed installments)
- You receive or Buyer pays + Weekly / Monthly / Yearly
- Number of payments (≥ 2)
- Clear Label / Description so fans understand total commitment
- Sell a Product block on a live page
- Monitor Wallet → Subscriptions
What's next?
- Pricing overview — all models, mixed pricing, limits
- Subscription pricing
- One-time pricing
- Products overview
- Flo Payments setup
- Create a product