Payment Plan Option Messaging
The prompt
Offer a payment plan to a customer with a large invoice. Invoice total: {{amount}}. Customer profile: {{if_known}}. Payment plan: {{terms_3_6_12_months_interest_rate}}. Tone: Remove friction, show flexibility. Output: Email and SMS. Easy enrollment link. Why this works
Framing payment plans as a customer service feature rather than a collections response removes the stigma that prevents customers from asking — the prompt explicitly instructs 'remove friction, show flexibility.' Presenting the email and SMS together provides channel flexibility for reaching customers in their preferred medium. Including easy enrollment link language ensures the customer has a clear path to action without having to call to set up the plan.
Risks & review
Payment plan messaging must comply with consumer credit disclosure requirements if the plan charges interest — truth-in-lending disclosures are required for financed amounts in most jurisdictions. Have your attorney review the template before deploying at scale. Also be careful not to position payment plans in a way that encourages customers to avoid paying in full when they could — the goal is to prevent non-payment, not create unnecessary financing.