Multi-entity billing and payment plans

Payment plans for businesses with more than one location.

Built from the deal in HubSpot or Pipedrive. Charged on schedule, the card fee recovered, and the money lands in that location's own bank account and books.

Works with HubSpot Pipedrive QuickBooks Xero Stripe

The spreadsheet that ran payment plans at two locations doesn't run them at five.

Balances drift, nobody can say who paid this month, and the card fee leaves with every payment. That's usually the week someone is sent to find a system.

plans-FINAL-v3.xlsx  →  paycove · plans · all locations
After · every plan, every locationNew plan
Location: All ▾Status: Any ▾Period: January ▾+ Add filter
Collected this month$589,2004 locations
Fees recovered$12,790on card payments
Plans live679all locations
Open balances$3,35016 plans · retrying
CustomerPlanNext chargeLocationStatus
J. Reyes12 × $1,108.33Jan 1Denveron schedule
M. Okafor6 × $368.33Jan 1Denveron schedule
A. Lindqvist12 × $925.00Jan 1Phoenixon schedule
R. Patel14 × $791.64Dec 3Portlandretried · paid by ACH
K. Nguyen12 × $385.42Jan 1Denverfee recovered
L. Brooks6 × $191.67Jan 1Boiseon schedule
S. Alvarez12 × $539.17Jan 1Phoenixon schedule
T. Kim12 × $308.33Jan 1Denveron schedule
showing 85 of 679 plans · sorted by next charge · every location
Before · one tab per location
StudentProgramPaid?BalanceNotes
2J. Reyes14-mo??$9,975call re: Dec
3M. Okafor6-moY (Nov?)$2,210
4A. Lindqvist12-mosee Phoenix tab—moved
5R. Patel14-modeclined 12/1$11,083retry??
6K. Nguyen12-moY$4,625card fee?
7L. Brooks6-moY$1,150
8S. Alvarez12-mochk w/ Phoenix$6,470
9T. Kim12-moY$3,700
10D. Moreau14-mo?$12,950left vm 12/4
11P. Singh6-moY$1,840
12E. Walsh12-modeclined 11/1$8,320retry??
13H. Costa12-moY$5,090paid cash?
14N. Ibrahim14-mosee Boise tab—
15B. Okoro12-moY$2,775
16C. Duarte6-mo?$920ask front desk
17F. Lund12-moY$7,400
DenverPhoenixPortlandBoiseedited 3 weeks ago · 2 people have it open

One button on the deal builds the quote, the invoice and the plan.

Set the templates once. After that the rep opens the deal in HubSpot or Pipedrive, presses one button, and Paycove writes the schedule from the deal's own terms and sends the invoice.

your CRM · deals · Jordan Reyes
Jordan Reyes · 14-month program$14,800
QualifiedProposalClosed won
Close dateSep 22
OwnerM. Reyes
LocationDenver
Start dateOct 1
PaycoveCreate payment plan
TemplateStandard · 12 monthly
Deposit · today$1,500.00
12 × monthly from Oct 1$1,108.33
Card feerecovered at checkout
Quote and invoicesent to Jordan
paycove · plan 2041 · Jordan Reyes
  1. Installment 1 · paid by card
  2. Installment 2 · paid by card
  3. Installment 3 · card declined
  4. Retried · reminder sent · ACH offered
  5. Paid by ACH · $1,108.33
Stop planRefundSplit a paymentRecalculate

Charged on schedule. Declined cards retried, ACH offered.

A declined card is retried on the day you set and the customer is offered ACH. You hear about a payment only if it stays open. If a customer withdraws mid-plan, stop, refund, split or recalculate from the same screen.

Each location's money lands in that location's own account.

Its own Stripe account, its own invoices, its own QuickBooks Online or Xero file, and a new location is a duplicated template. Run every location on one account, or give each entity its own account under a parent when it needs its own logins.

paycove · account · locations · August
LocationCollectedPaid out toBooks
Denver$184,200 ••4821 Denver LLC
Phoenix$139,900 ••0937 Phoenix LLC
Portland$203,700 ••2210 Portland LLC
+ Boise—connect Stripeconnect books

Card fees are recovered inside the plan.

About 2.9% of every card payment goes to the processor. Paycove adds it back as a disclosed surcharge where your state allows it, and offers ACH beside card everywhere.

The customer pays what it costs, spread over time. No interest, no lender, no credit check.

paycove · settings · fee recovery · Denver
Surcharge
Credit cards · shown before the customer confirmswhere your state allows it
ACH
Bank transfer offered beside cardthe customer's choice
Retry & chase
Retry, remind, escalate on days you chooseon your schedule
Assumes 2.9%. Your figure depends on your card mix and your state.

About $7,250 a month leaves with the processor. $87,000 a year. Paycove recovers it inside the plan.

denver career institute · invoice 2041-03
Denver Career InstituteInvoice 2041-03 · Jordan Reyes
Installment 3 of 12$1,108.33
Bank transferno fee
Credit card+ $32.14 surcharge
Autopay on the 1st
Pay $1,108.33 Receipt to jordan@… · 9 payments remaining · sample figures

What your customer sees.

An invoice with your location's name on it. Card or bank transfer, the fee shown before they confirm, autopay and a receipt each month. The customer stays yours.

Set up with you, not by you.

We set up your locations, templates, Stripe accounts and books with your team, and walk your reps through their first plans.

Built around how you bill.

A state rule, a program-specific schedule, a report you rely on: tell us how you bill today and we work out how Paycove runs it.

$400M+collected on payment plans since 2017
15,000+students on a plan instead of a high-interest loan
150 → 300locations Zollege has grown to on one Paycove account, a customer since 2019
Since 2017in business, nearly ten years of running payment plans

Built for businesses collecting $100K a month or more.

More than one location, customers who pay in installments, and each location needing its own invoices, payouts and books.

  • Career schools
  • Trade schools
  • Allied-health programs
  • Clinics
  • Coaching programs
  • Certification programs
  • Home services
  • Multi-location groups
Book 15 minutes