Plan: Instalment plans are plan-gated (Pro / Business caps). Business showcase: 12 instalments per agreement. Creating a new plan follows your current entitlement; an active plan is designed to keep running if you later change tier.
In the app the feature is labelled Payment Plans (URL path /arrangements). It is not a loan product and not debt collection — it is a schedule you and your customer already agreed.
Open Payment Plans
- Go to Payment Plans (or start from a debtor who needs a schedule).
- Read the intro: PayBlah records and follows the agreement; while a plan runs, chasing follows the schedule instead of the ladder.
- Note the instalment cap for your plan (Business showcase copy: Your plan allows 12 instalments per agreement).
- Press New plan and build the schedule on a debtor/invoice that still has balance.
Tabs
- In progress — live or waiting plans.
- Finished — completed, cancelled, defaulted, and other closed states.
While a plan runs
- Reminder ladder steps for that debt give way to the instalment schedule.
- Each instalment is tracked so you can see what is due next.
- When the schedule completes, normal chasing rules no longer apply to a cleared balance.
What PayBlah will not do
- It does not invent an agreement for you. You (or a portal flow where offered) must set the plan.
- It does not buy the debt or contact the customer as a third-party agency.
- It will not silently write off the difference if someone underpays an instalment — you still own the outcome.
Empty state guidance: open a debtor who owes more than they can pay this month and offer a schedule — the honest alternative to a dispute nobody meant to raise.