Invoicing & Payments
A customer who cannot pay £4,000 today can often pay £1,000 a month for four months. Gaffer splits an invoice into instalments, marks each one paid as it comes in, and completes the plan automatically when the last one lands — so a payment arrangement is tracked rather than remembered.
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A plan against an invoice, with an instalment per agreed payment.
Each instalment is its own record you mark paid, so partial payment is tracked properly rather than as a running note on the invoice.
When every instalment is paid, the plan completes automatically — the invoice is settled without anyone reconciling it by hand.
Arrangements break down. A plan can be cancelled, so the invoice returns to normal collections rather than sitting in a state nobody is chasing.
Payment plans sit with your invoices, payment links, Direct Debit and collections in one platform.
Milestone billing splits the work into stages and invoices each one as it is delivered. A payment plan splits a single invoice for work already done into instalments. One is a billing structure, the other is a payment arrangement.
Informal instalment arrangements without interest or charges are generally not regulated consumer credit, but arrangements with fees or over longer terms can be. If you offer structured finance regularly, take advice — and see Gaffer's customer financing for third-party options.
Yes. Payment links and the invoice payment portal work alongside plans, so the customer can pay each instalment by card rather than needing to be chased for a transfer.
Cancel the plan and the invoice goes back into normal collections, where Gaffer's invoice reminders and collections radar handle it as an overdue debt.
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