Dynamic Payment Plan

A Dynamic Payment Plan is an open ended repayment agreement.

In the Account Module, the Payment Plans grid lists all payment plans associated with the family.


In the toolbar, click Payment Plan, Dynamic Payment Plan, or double-click an existing plan to edit.

Related Links:

General Steps

To create a new dynamic payment plan:

  1. From the Production tab, click Add, and select the production items to attach to the plan.
  2. Once production is attached, set the plan Guarantor; click Change to select the person responsible for the payment plan.
  3. Next, enter the repayment Terms then, click Create Schedule to generate an Amortization Schedule.

Use the Sign & Print button to complete the agreement.

Note: If the plan is later changed to include additional production changing the repayment term, you will want to have the new version signed and printed.

Patient Information

Category: Assign a category to the payment plan (e.g., Ortho, Implant). Useful to distinguish one payment plan from another when families have many plans. Customize the category options in Definitions: Payment Plan Categories.

Patient: The person who was treated. Click Go To to switch to their account. Patients can have multiple payment plans, and each plan can have a different guarantor.

Guarantor: The person who will make the payments. Defaults to the currently selected patient. The guarantor does not have to be in the same family as the patient. It also can differ from the account's guarantor. Click Change to select a different guarantor. Click Go To to switch to their account.

Lock Options

Full Lock: Check to lock current terms of the payment plan. Prevents further changes to the repayment schedule or the production (e.g., adding procedures and adjustments or changing the production Amount Override). Plans that are locked cannot be edited. You must create a new plan to add treatment instead. Adding an APR interest rate requires the plan be locked.

Unlock: Option is available when an existing plan is re-opened and Full Lock is unchecked. Click to unlock the Terms section to edit the repayment schedule.

Term Options

Date of Agreement: Defaults to today's date.

Total Principal Amount: The total amount of the payment plan, excluding interest. Calculates based on the attached production.

Date of First Payment: Defaults to one month from today's date.

Down Payment: The amount of the down payment. Immediately due when the payment plan is created regardless of the Handle Treatment Planned setting.

APR: The percentage of interest to charge on the principal balance of completed procedures. If entered, additional options are available to delay interest charges. Enter only one. If both fields are left blank, interest is charged to all scheduled payments. Payment plan must be locked before saving.

Interest is automatically calculated using the following method:

  1. Subtracts the down payment from the payment plan balance.
  2. Calculates the number of payments, or the payment amount, based on the new balance (balance minus down payment).

The amortization schedule can be based on a total number of payments or a specific payment amount. Enter only one.

Charge Frequency: Select the frequency of which charges are applied to the payment plan. The options below are calculated based off the Date of First Payment.

Handle Treatment Planned: Determine whether treatment planned procedures should be included in the total now, or as the work is completed. If toggling this setting, click Create Schedule to see changes.

Term Buttons

Create Schedule: Create the Amortization Schedule based on the terms. A description of the terms will show in the Note field. Production must be attached first. When editing the terms on existing plans, click Create Schedule to view the changes.

Cancel: Cancel changes made to the Terms on existing payment plans. Click the Unlock button to enable.

Save: Save changes made to the Terms on existing payment plans. Click the Unlock button to enable.

Payment Plan Summary

Once the schedule is created or, updated and saved, the calculations below are automatic.

Total Cost of Loan: Total Amount plus interest and any added charges.

Accumulated Due: The total amount that has been due up to the current date.

Paid so far: The total amount that has been paid towards the payment plan to date.

Principal paid so far: The total amount that has been paid towards the principal to date.

Tx Completed Amt: The total fee amount for charges that have come due.

Total Tx Amt: The total fee amount for all production that is attached to the payment plan. Will not display until after plan has been saved by clicking OK.


A detailed note of the terms shows for future reference. Any changes made to the terms will be added to the note. Other notes can be added as needed.

If Pay Plans use Sheets is checked, additional Terms and Conditions are displayed when viewing or signing the repayment agreement. Customize the default message in Account Module Preferences. Updating the terms will also update any replacement fields used in the default message.

Schedule Tab

Amortization Schedule: The amortization schedule is generated based on the terms. Principal and interest are calculated automatically. Due dates are based on the Date of First Payment and selected Charge Frequency.

Note: Because charges may be spread across multiple procedures or adjustments, multiple entries may list for a single date in the schedule. The amounts for each line item on that date will add up to the total amount of the charge for that day.

Exclude past activity: When checked, only future dated line items show in the Amortization Schedule and past activity is hidden. When unchecked, all activity shows. Totals are not affected by this setting. To set the default setting for the checkbox, see Account Module Preferences, Payment Plans exclude past activity by default.

Current Totals: Automatically calculated based on current and past charges, accumulated payments, and the running balance.

Production Tab

Attached Production: Displays the procedures and adjustments attached to the payment plan.

Note: Additional insurance payments or adjustments applied towards any of the attached production items after the plan was created will automatically update future pay plan charges if the Amount Override is blank or Full lock is unchecked.

Delete: Delete the selected production item from the attached production list.

Print: Print the list of attached production (as shown), including the production total.

Add: Attach production to the payment plan. Opens the Select Production window.

Select from a list of adjustments, completed procedures, and treatment planned procedures to attach to the payment plan. Only positive adjustments not attached to procedures are listed.

  • Production items can only be attached to a single payment plan.
  • To show automated sales tax amounts for newly treatment planned procedures, Update Fees in the Treatment Plan Module.


Delete: Delete the entire plan. Also, clears any Authorized Recurring Charges attached to the plan. Payments cannot be attached.

Close Plan: Close Payment Plans that are no longer being paid on.

Sign & Print: Only displays when the payment plan sheet contains a signature box. See Sign and Print Payment Plan.

eClipboard: Send the Payment Plan to eClipboard. See eClipboard: Payment Plans.

Click OK to save changes, or Cancel to close without saving changes.

Edit an Existing Plan

Double-click into an existing plan.

To update an unpaid, posted pay plan charge: Right-click the charge from the Amortization Schedule and select Delete.

To update the Terms or add/remove production: Above the Terms, click Unlock.

Click OK to finalize the changes and exit the payment plan. Any deleted pay plan charges with today's date will re-post to the patient's account with any adjustments made to the terms.