PlanPay Information

PlanPay is the world's leading no-debt payment plan technology — purpose-built for industries where the price of a great experience often exceeds the cash a customer has on hand today. Unlike Buy Now Pay Later, there is no credit, no debt, and no interest. Customers pay in full before the experience — on a schedule they choose. Merchants are paid in full before the event, the procedure, or the trip. No credit risk. No chargebacks from event-related cancellations. No exposure to post-event default. We power instalment payments across three core verticals: sports & ticketing (season tickets, suites, championships, premium inventory), travel & live events, and high-value experiences. Our technology is fully white-labelled, sits behind your existing payment infrastructure, and integrates with Stripe, Adyen, PayPal, Braintree, and other leading gateways. Customer onboarding takes under two minutes — no credit check, no paper application, no drop-off. Where competitors offer a calculator, PlanPay offers a platform: configurable instalment rules, weekly/fortnightly/monthly cadences, multi-item baskets, post-transaction add-ons, in-browse price preview widgets, agent-assisted SMS payment links, and full CRM and webhook integration. The PlanPay group also operates two vertical-specific brands: PlanPay Health, which brings the no-debt model to US hospital and ASC patient-pay, and PlanPay Collect, which helps creditors recover past-due and written-off balances through structured, no-debt instalment plans. Headquartered in Huntersville, North Carolina, with an office in Sydney and on-the-ground teams across the UK and Europe. Smarter payments. Stronger cash flow. No debt.