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Sell a plan in installments

4 min read·Updated August 2026
ON THIS PAGE
OverviewLetting a plan be splitChoosing at the saleNot the same as monthly billingThe scheduleWhat the member does

“R$1.800 ou 12x de R$150” is one plan advertised two ways, not two plans. The plan says how far it may be split, the sale says what this member chose, and the term is granted in full either way.

Letting a plan be split

On a one-time plan, set Can be paid in up to to the most installments you are willing to accept. That ceiling is your decision about the product, so a sale can never talk its way past it. Leave it at one payment and nothing changes.

Recurring plans don’t offer this, and that is deliberate rather than missing. A recurring plan already charges every period; splitting each of those charges again is not something anybody sells, and allowing it would make the two models impossible to tell apart later.

Choosing at the sale

Selling a plan that allows it shows a Payment choice listing every option up to the ceiling, priced from the amount you are actually charging, so a negotiated discount is reflected in what each month comes to. The choice is frozen on the contract at signup, like the price and the terms.

Not the same as monthly billing

On a bank statement 12x de R$150 and a R$150 monthly membership look identical. They are different deals, and Zenly keeps them different.

An annual plan, sold 12x
PARCELADO
One invoice for R$1.800with a 12-step schedule
The full year granted at signupnot month by month
Committed for the termnot cancellable monthly

The schedule

The invoice carries one step per installment, each with its own amount and due date, and the invoice’s own due date is the last of them. Amounts that don’t divide evenly put the spare cents on the final step.

“Behind” means the steps due by today aren’t covered, not that the whole invoice is unpaid. A member eleven months from the end who has paid every month so far is exactly on time, and one whose card died at step five is late from that step’s date. Everything in When a member stops paying reads the schedule the same way.

What the member does

The portal shows their schedule and which step is next. On boleto or Pix each month is its own document, so they pay each one as it comes. On a card the charges run by themselves, and the member is only asked to step in for a step that failed, which is exactly the moment they need to.

Good to know
Recording an installment at the counter is an ordinary partial payment on the invoice, and the schedule takes it into account. The member’s existing installment links stay live in this one case, because the months ahead are still theirs to pay.
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Overdue payments and reminders
ON THIS PAGE
OverviewLetting a plan be splitChoosing at the saleNot the same as monthly billingThe scheduleWhat the member does