> ## Documentation Index
> Fetch the complete documentation index at: https://support.jomioz.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment plans and schedules

> Split one invoice into installments, or bill an estimate schedule as a separate invoice per stage.

These are two different tools. A **payment plan** splits the balance of one invoice. A **payment schedule** is agreed on the estimate, copied onto the job, and each stage becomes its own invoice.

## Payment plan on one invoice

On the invoice, open **Payment plan** and click **Create payment plan**. This splits the remaining balance into equal installments. The customer pays each one from Client Hub. You still send **one** invoice. Where electronic invoicing is on, that one document is what gets registered.

**Quick schedules** are **2 × monthly**, **3 × monthly**, **4 × monthly**, **6 × monthly**, **3 × weekly**, and **50% now + 50% later**. You can also set **Number of payments**, **Frequency** (**Weekly**, **Every 2 weeks**, or **Monthly**), and **First due date**. Change a due date in the table before you click **Create plan**.

**Auto-charge saved card on each due date** charges a card already on file when that installment is due.

**Edit payment plan** changes a plan that is still open. **Cancel plan** asks **Cancel payment plan?** Open installments are voided, and the full invoice balance is due again. A finished plan says **This payment plan is fully paid.**

This is not progressive job billing. It does not create a new invoice for each installment.

## Payment schedule billed as invoices

Set the schedule on the estimate with [Deposits and payment schedules](/help/estimate-deposit). When you **Convert to job**, the job copies that schedule. **How this job is invoiced** shows **Payment schedule (installments)**. The schedule on the job says it was copied from the estimate. Change it on the estimate, then send a change order if the scope changed after conversion.

Each stage is its own invoice, in order. The job button is **Create invoice** for the first stage that still needs a bill, then **Create next invoice**. You cannot skip ahead. If the next stage is the deposit installment and that deposit was already collected in Client Hub, the button says **Create advance invoice**. A stage marked as already collected through Client Hub does not get a second invoice. If a stage was invoiced by mistake, void that invoice. The stage can be billed again.

**Convert to invoice** is not offered when the estimate has a multi-step schedule, or a single payment that is collected in full when they approve. Those estimates become a job so each stage can be invoiced on its own. A deposit with no schedule can still **Convert to invoice**.