# Payment plans, deposits and autopay for programs

Source: https://backpr.com/use-cases/payment-plans-and-autopay. Last updated: 2026-11-12.

A payment plan makes a program affordable for more families, but only if someone collects each installment. BackPR charges each date automatically and follows up when a card fails.

Made for: Camps, after-school programs, studios and sports clubs with fees over several weeks or months.

## How it works
1. **Set the plan.** A deposit at registration and installments on dates you choose, or weekly, monthly or term tuition.
2. **Charge automatically.** Autopay charges the saved card or bank account on each date. Families see the schedule before they pay.
3. **Recover failed payments.** Failed payment retries and card update links let families fix a declined card without calling you. Payment reminders go out before due dates.
4. **Handle the exceptions.** Full and partial refunds, family credits, invoices, cash and check recording, and split payments between households.
5. **See the money.** Revenue and balances on the dashboard, payout reports and Excel or CSV export, plus QuickBooks Online and Xero export files.

## What families see
- See every installment before they commit
- Pay by card, ACH bank payment, Apple Pay or Google Pay
- Update a card themselves from a link
- Split the cost between two households

## Features this uses
- Deposits
- Installment plans
- Autopay
- Failed payment retries
- Card update links
- Payment reminders
- ACH bank payments
- Split payments between households
- Full and partial refunds
- Invoices
- Payout reports
- QuickBooks Online and Xero export files

## Questions
**Does BackPR take a cut of payments?**
No. Families pay your organization through Stripe at Stripe's standard processing rates. BackPR adds no fee of its own on any plan.

**Where does the money go?**
Into your organization's own Stripe account and out to your bank. BackPR does not hold families' money.

**What does it cost?**
Nothing if your organization joins BackPR by 31 January 2027: it is free forever, with every feature. Verified nonprofits are always free. Card payments are processed by Stripe at its standard rates, and BackPR adds no fee to what families pay. See [pricing](/pricing).

## Read more
- [Payments and billing](https://backpr.com/features/payments): All payment features in detail.
- [Payment plan calculator](https://backpr.com/tools/payment-plan-calculator): Work out a deposit and installments.
- [Card fees: absorb or pass on?](https://backpr.com/resources/card-fees-absorb-or-pass-on): How to decide who pays processing.
- [Payment plans for camps and programs](https://backpr.com/resources/payment-plans-for-programs): How to design a plan families can keep.

Create your organization at https://app.backpr.com: free forever if you join by 31 jan 2027.