lucas_checkout-installments

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[tired sandal]

Hello! We recommend you use a Subscription Schedule for installment plans as outlined here: https://docs.stripe.com/billing/subscriptions/subscription-schedules/use-cases#installment-plans

[pearl acorn]

Ok thanks, I took a look at this link and from what I understand it creates a monthly payment that is charged for 6 months, that's good, but it works with the subscription object.

s it possible for me to do this, but configure it at checkout? What I need is that when the customer accesses the checkout, they choose whether they want to pay in cash or in 12 installments. Is this possible?

[tired sandal]

No, that's not possible.

Well, you can provide buy now, pay later options, but I'm not sure any of them support that many installments.

https://docs.stripe.com/payments/buy-now-pay-later

Ah, I guess some of them do, so that might be a possible option for you.

[pearl acorn]

Ok, https://docs.stripe.com/payments/buy-now-pay-later doesn't seem to be available for my country, I'm from Brazil.

So as this is not possible to do at checkout, what I can do is do like https://docs.stripe.com/billing/subscriptions/subscription-schedules/use-cases#installment-plans . I thought about it and would need to do without the checkout. Create a screen for the customer to enter their card details, create a customer object, signature and all that logic, right?

[tired sandal]

You can create the initial Subscription with Checkout, then add a Subscription Schedule to the Subscription Checkout creates.

See here: https://docs.stripe.com/api/subscription_schedules/create#create_subscription_schedule-from_subscription

The main issue with that approach is that Checkout won't know about the installment payment or when the Subscription ends, it will just show the monthly amount.

[pearl acorn]

yeah, i understand

[pearl acorn]

But when the customer clicks on subscribe at checkout, it will automatically charge, before I add the installments?

[tired sandal]

Yeah, if you don't have a free trial period it will immediately charge them. That shouldn't be an issue, though.

What's your concern there?

[pearl acorn]

I would like it to appear at checkout about payment in installments, currently only the annual price appears at checkout and the customer already has to pay for the entire year.

[tired sandal]

That is, unfortunately, not possible.

If you want to show installment info when they pay you'd need to build your own payment page and not use Checkout.

[pearl acorn]

example, at checkout create 12x of R$100 or 1x of R$1300, and the customer chooses to be able to see and choose

[tired sandal]

Yeah, you'd need to build your own payment page for that.

[pearl acorn]

ok, i see

Today, the customer clicks the "subscribe" button and takes them to the checkout screen, but with the annual price paid in 1 installment.

[pearl acorn]

I understand, I believe that the best solution would be this.

[tired sandal]

You could modify that to have two buttons for the two different payment options, and they could go to two different Checkout pages.

[pearl acorn]

yes, I could do that

A button could take you to the annual checkout that pays in 1x. And another button for the "annual" checkout, but what monthly charge do you know?

as if this simulated the annual payment, but as monthly

[tired sandal]

The monthly Checkout option would create a Subscription to charge the monthly amount, then after it's created you'd add a Subscription Schedule to it so it ends after the correct number of payments.

[pearl acorn]

Exactly, I could put 12 months, to be a year, as I said, "simulate" the annual installment.

[tired sandal]

No, not in Checkout.

Checkout is only going to be able to create a Subscription with a certain payment amount.

For example, if you want to charge R$100 for 12 months, you would need to have Checkout create a R$100 a month Subscription that never ends. Then, after it's created, you add a Subscription Schedule so it ends after the 12th payment.

[pearl acorn]

Yeah, exaclty

This is a good idea to get around the problem, create two buttons, one with a 1-year subscription, and another that would charge monthly, as if it were paid in installments.

I'll talk to my boss about it, but this is a good idea. We'll probably go with this as we want to keep it at checkout

Thank you very much for your help and idea. It clarified a lot of things for me.

[tired sandal]

Happy to help!