Recurring Payments

Payment Flows Made Reliable — Build payment flows that get you and your customers paid more often. Pay Theory’s Recurring Payments infrastructure powers your subscription, payment plan, and card-on-file payments.

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The data shows some people want to manage their cash flow while others don’t have the funds for a lump sum payment. Both of these constraints can cut families off from access to services they may really need. In addition, service providers have a harder time collecting payments. Pay Theory’s Recurring Payments lower the barrier to access.

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Open Up Opportunities

Recurring payment structures like payment plans, payment-method-on-file, and subscriptions help users manage their cash flow while allowing them access to vitally important products and services.

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Payment Plan

Access to healthcare or medication with a payment plan.

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Method on File

Access to education or club participation with payment method on file.

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Access to childcare or after school programs with subscription payments.

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  • Cash Flow Management
    Payments everyone can access by matching payer cash flows to charged fees.

  • Increase Total Collections
    Increase your total collections by breaking larger fees into smaller bites:

    • Even accept cash for a recurring payment using our barcodes.

    • Control over the recurring payment experience means more transparency for platforms, merchants, and payers.

“Pay Theory is changing the financial ecosystem in schools. They are a one-stop shop for payments. Especially within the education systems, it is hard to navigate through various payment recipes. Pay theory is changing that and making it more transparent and flexible for multiple people and organizations to collaborate while navigating on one platform.”

Heather Peltack
Head of Customer Success at Actionaly

What You Should Know


API's Made Easy
Easy to code API that allows developers to easily create and manage recurring payments programmatically.


Payment Method Tokenization
A secure way to allow Partners and Merchants to maintain access to a payment instrument without having to store sensitive card, account, or personally identifiable information.

Image showing one of the recurring payment screens.

A Pristine User Interface
Beautiful, transparent user interface that makes all recurring payments in a Merchant’s portfolio transparent and easy to manage once set up.


Sign customers up for subscriptions to products or services with a fixed end date or ongoing until canceled term.


Payment Plans
Breakdown large bills into smaller bites by choosing the amount or number of payments. Even make this choice available to the customer.


Payment Method on File
Keep a payment method on file for ongoing fee or billing needs, like at a school for a student’s nutritional payments that are billed at the end of a month or a utility payment that changes in amount each period.


Inclusive, Recurring Payments
Accept cash for recurring digital payments using barcodes issued to a payer each time a payment is due.

Recurring Payments

Build payment flows that get you and your customers paid more often. PayTheory’s Recurring Payments infrastructure powers your subscription, payment plan, and card-on-file payments.

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Software as a Service    •    Education    •    Healthcare    •    Childcare    •    Child Activities    •    Government

What is the difference between a payment plan and a subscription?

A Payment Plan is a given dollar amount, say $100.00, that is broken down into a number of payments such that the $100.00 balance is reduced with each payment. A Payment Plan has a set number of payments and a set end point in time.

A Subscription is an open ended payment schedule for a set amount of money remitted to the merchant on a set schedule, say monthly.

Can I manage a recurring payment programmatically or do I have to use your portal?

Recurring payments are best set up programmatically as the user interface for setting up the recurring payment is usually through an existing software platform. When a recurring payment is set up, it can be viewed and managed through the Pay Theory portal or programmatically via the Pay Theory API. For more information you can view our recurring payments documentation.

Are there additional costs with recurring payments?

There are no additional costs associated with using recurring payments.

Can I create and manage recurring payments from a mobile application using your mobile SDK’s?

Yes. For more information you can view our Android and IOS Documentation.

What happens when a payment method expires or the account is closed?

If a payment method is expiring any time in the coming 2 months, it will be flagged to the merchant and to the payor. They will be reminded a number of times before the expiration date via emails from Pay Theory. If the account is then closed or suspended, the next payment will fail and the subscription or payment plan will be suspended until the account returns to good standing either by updating the payment method or changing it.