Installment & BNPL management for modern businesses

Offer Payment Plans & Get Paid on Time — Without the Spreadsheets

Smart Installment lets your business create flexible installment plans, e-sign agreements, automate collections and reduce defaults — in one platform. Trusted by retailers across the UAE, UK, Australia, New Zealand, the US & Canada.

No credit card required · Cancel anytime

Built for businesses in

United Arab Emirates
United Kingdom
Australia
New Zealand
United States
Canada

Fewer defaults

Automated reminders & risk scoring keep accounts current

Hours saved weekly

No more spreadsheets, manual receipts or chasing payments

Multi-currency

Bill in AED, GBP, AUD, NZD, USD or CAD

Bank-grade security

Role-based access, audit trails & a secure customer portal

Everything you need to run installment sales

One platform to create plans, sign agreements, collect payments and grow customer relationships.

Flexible Payment Plans

Build installment and buy-now-pay-later plans with the terms your business needs — weekly, monthly, or custom.

  • Custom schedules
  • Grace periods
  • Early-payment discounts
  • Automated late fees

Digital Agreements & e-Sign

Generate branded contracts and collect legally-binding signatures remotely or in person.

  • Branded contracts
  • Remote & in-person signing
  • Full audit trail
  • PDF export

Payments Your Customers Use

Accept cards, digital wallets, bank transfer and local rails — reconciled automatically.

  • Cards & Apple/Google Pay
  • Bank transfer / ACH / SEPA
  • Direct debit
  • Auto reconciliation

Automated Collections

Cut late payments with scheduled reminders and receipts over Email and WhatsApp.

  • Payment reminders
  • Automation rules
  • Reusable templates
  • Delivery tracking

Analytics & Reporting

See collections, outstanding balances and portfolio risk in real time, with exportable reports.

  • Collection trends
  • Aging / PAR buckets
  • Custom reports
  • CSV export

Security & Team Controls

Role-based access, audit logs and a self-service customer portal — built for compliance.

  • Role-based access
  • Audit logs
  • Customer portal
  • Data security

How Smart Installment works

Go from sale to paid-in-full in three steps.

1

Add the customer & plan

Create a customer profile and a payment plan with your terms — down payment, schedule, fees.

2

Send the agreement to sign

Generate a branded contract and collect signatures by email or WhatsApp — or in person.

3

Collect & track automatically

Customers pay through their portal; reminders, receipts and reconciliation run on autopilot.

Built for businesses that sell in installments

If you offer payment plans or in-house financing, Smart Installment fits your workflow.

Electronics & Appliances Furniture & Home Automotive & Bikes Healthcare & Dental Education & Training Retail & B2B

Accept payments the way your customers pay

Cards, wallets, bank transfer and local rails — reconciled automatically.

Credit / Debit Cards

Apple Pay & Google Pay

Bank Transfer

ACH / SEPA / BACS

Direct Debit

Cash Tracking

Simple, transparent pricing

Start free, upgrade as you grow. Billed in USD — AED, GBP, AUD, NZD & CAD supported.

Starter

Free

For small businesses getting started

  • Up to 50 customers
  • Basic payment plans
  • Email reminders
  • Customer portal
Most popular

Professional

$49/mo

For growing businesses

  • Unlimited customers
  • All payment methods
  • e-Sign agreements
  • Automation & analytics

Enterprise

Custom

For large organizations

  • Everything in Pro
  • Custom integrations
  • Dedicated support
  • Data residency options

Frequently asked questions

What is Smart Installment?

Smart Installment is software that lets any business offer its own installment and buy-now-pay-later (BNPL) plans — creating payment schedules, e-signing agreements, collecting payments, and automating reminders from one dashboard.

Which countries and currencies do you support?

Businesses across the UAE, United Kingdom, Australia, New Zealand, the United States and Canada use Smart Installment. You can bill in AED, GBP, AUD, NZD, USD or CAD.

Do my customers need an account to pay?

Each customer gets a secure self-service portal to view their plan, make payments, upload receipts, and sign agreements — no complex setup required.

Is it secure and compliant?

Yes. Smart Installment uses role-based access, complete audit trails, and a secure customer portal, and supports region-specific compliance needs including data protection and e-signature validity.

Can I try it for free?

Yes — start free, no credit card required. Upgrade as your customer base grows.

Ready to get paid on time?

Start offering flexible payment plans today — set up in minutes, no credit card required.