HubSpot Updates - Monday Recap - September 28, 2026

Merchants can now split an outstanding invoice into up to four scheduled installments, collected automatically after the buyer completes checkout on the first payment. The full balance stays on one invoice record, and each installment is tracked and charged independently.

Until now, merchants who wanted to offer installment-based payment on an invoice had no native option. The most common workaround was repurposing subscriptions as payment plans, which fragments accounts receivable across multiple records, misrepresents revenue on the books (a $10,000 deal split into 10 subscription installments shows only $1,000 at a time). Payment plans keeps the full balance on a single record, collects each installment automatically through a connected payment account, and gives both seller and buyer a clear schedule of what is owed and when.

How does it work?

Creating a payment plan

1. Open an invoice with an outstanding balance and one-time line items
2. In the invoice editor, open the payment plan configuration modal
3. Set the number of installments (two to four), the amount per installment, and the due date for each
4. The total across all installments must equal the invoice balance due
5. Save the invoice. The payment plan activates when the invoice is finalized

Note: Payment plans can be configured on draft invoices. The plan will not execute until the invoice is finalized. Installment due dates must be in the future at the time of finalization.

Note: Online payments must be enabled on the invoice. If "charge using stored payment method" is selected, the merchant must change the collection method before adding a payment plan. A disabled state with an explanation appears in this case.

Payment collection

1. The buyer receives the invoice and clicks "pay now" to complete checkout on the first installment
2. Checkout captures the buyer's payment method
3. Remaining installments are automatically charged on their scheduled due dates using the stored payment method
4. Each installment charges independently. A failed payment on one installment does not stop future installments from being attempted on schedule

Note: If a payment fails, the buyer receives a payment retry notification through existing Commerce Hub infrastructure. Each failed installment is retried separately; failures are not bundled together.

Note: The buyer-facing call to action shows "pay now" before checkout and "payment scheduled" after the payment method is captured.

When the invoice balance due changes

If the invoice balance changes while a payment plan is active (for example, a credit memo is applied, a manual payment is recorded, or a line item is edited), the system pauses all future auto-collection until the merchant takes action.

Via the invoice editor

1. Save is blocked until the invoice balance and payment plan are reconciled
2. Installment amounts adjust automatically to match the new balance, and the changes appear in a confirmation modal before saving

Via credit memos or manually recorded payments

1. The plan pauses immediately
2. The merchant returns to the payment plan modal to rebalance or cancel the plan, then explicitly resumes collection

Note: In-flight installments (pending or processing) resolve as-is when a plan is paused. Only future unattempted installments are affected.

Note: The paused state is visible on the rendered invoice with a banner indicating collection is paused.

Canceling a payment plan

1. Open the payment plan modal and select cancel
2. If no payments have been made, the plan is deleted entirely
3. If at least one installment has been paid, paid installments are preserved and remaining installments are canceled
4. Any active payment retry is canceled so the buyer cannot pay against a canceled plan

Viewing payment plan status

• The payment plan status appears on the invoice record with values: Active, Paused, Completed, Closed, or Canceled
• The rendered invoice displays the installment schedule, amounts, and status for each installment
• The invoice preview from associated objects shows payment plan existence, installment count, and plan status

Private Beta Limitations

• Available for standalone invoices with one-time line items only; recurring invoices are not supported
• Maximum of four installments per plan
• No automated email notifications specific to payment plans; merchants communicate plan details to buyers manually or by resending the invoice
• The buyer must go through checkout on the first installment to capture a payment method; charging a stored method without checkout is not supported
• Minimum installment amount is $0.50
• If the invoice balance increases after all installments are paid, the plan cannot be reopened