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Installment sales and collections

Sell with a down payment and monthly installments, with a markup, a guarantor and late fees. Print the agreement, track what's due and overdue, and collect payments.

Open this page in your dashboard

Selling on installments

In Point of sale, add the items, choose Installments as the payment method, then click Sell on installments.

The installment sale form
The installment sale form
  1. Enter the customer name and phone (both are required for installments).
  2. Enter the down payment and how it's paid, the number of installments, and the markup % on the amount financed.
  3. Pick the first installment date and an optional late fee per installment. You'll see the installment amount and total before you confirm.
  • Installments are monthly on the same day. Each one is rounded down to a whole amount, and the difference goes on the last one.
  • The markup shows on the sale as an installment markup line, so it counts in your real profit.
  • Only the down payment goes into the drawer. The order stays unpaid until the last installment.
After the sale, click Print contract for a one-page agreement with the customer, guarantor, items, payment schedule, signature lines, and a QR code that opens the customer's installment page.

What's due and collecting payments

Open POS → Installments. The Due tab lists overdue installments and those due today or this week.

Installments due
Installments due
  1. Collect: enter the amount and payment method. It's applied to the oldest installments first, and partial payments are fine.
  2. WhatsApp reminder opens a ready-made message to the customer with the amount and due date.
When the last installment is paid, the plan closes and the order is marked paid. Collect late fees from the plan details with Collect late fee.

All plans

The All plans tab shows every plan as Active, Overdue or Paid off. Search by name, phone or receipt number, and click a plan to see its full schedule.

In the plan details, click Customer link to copy it, or the WhatsApp button to send it. The customer sees their schedule, what's left and the next due date, without their phone number or guarantor details.

Returns

An installment sale can only be returned in full, from Return in the point of sale. The customer gets back everything they paid (down payment and installments, not late fees), the remaining installments are canceled and the plan is marked returned.

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