Automatic charges for payment plans are processed during Kolleno's scheduled automatic payment runs, which occur approximately every 30 minutes.
For a payment plan to be automatically charged:
The plan must be active with automatic charging enabled
At least one installment must be due or overdue (due date is today or earlier)
The customer must have a valid payment method saved (card or direct debit)
Automatic payments must be configured and enabled for your company
Important: Manual bulk charging runs do not process payment plan installments only scheduled automatic runs do.
Enabling Automatic Charging on a Payment Plan
When you create a payment plan, you can enable automatic charging during setup.
You can also enable or disable this setting anytime by editing an active payment plan from the customer's Payment Plans tab.
What Happens During Automatic Charging
When a payment plan installment becomes due:
Kolleno calculates the total amount due across all overdue installments
A payment charge is created and linked to the installments and invoices
Installments are marked as Payment in progress
The payment is submitted to the payment provider (Stripe, GoCardless, etc.)
Once the payment is confirmed:
Fully paid installments are marked as Paid
Partially paid installments update to show remaining balance
The payment plan progresses toward completion
When all installments are paid, the plan status changes to Completed
Invoice Status Changes
When automatic charging occurs on a payment plan:
Card payments: invoices move to Paid (Pending Confirmation)
Direct debit (Stripe): invoices move to Paid (Pending Confirmation)
Direct debit (GoCardless): invoices move to Payment Scheduled
Why a Payment Plan Might Not Be Charged
If an installment becomes due but isn't automatically charged, check the following:
Automatic charging is disabled on the plan
No installment is actually due yet (check due dates)
Customer has no valid payment method saved
Automatic payment settings are set to "No Auto-Charge"
Payment method type doesn't match (e.g., plan requires card but customer only has direct debit)
Automatic payments stop date has been reached
Payment provider credentials are invalid or disabled