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:

Dynamic payment plans are designed to allow the creation of a flexible repayment agreement.

When a dynamic payment plan is first created the window will default to the Production tab (see below). Use the Add button to attach production to the plan, after which you can choose terms, including Payment Amount or Number of Payments, and Charge Frequency. 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.

Category: Assign a category to this 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. It 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.

Full Lock: Check the box to lock current terms of the payment plan. Prevents any further additions to production or changes to the repayment schedule. Adding an APR interest rate requires that the plan be locked.

Terms that affect the Amortization schedule:

Create Schedule: Create the amortization schedule based on the terms. A description of the terms will show in the Note field.

Once the schedule is created, these calculations are automatic:

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.

Interest: Open Dental automatically calculates interest (APR) using the following method. Most online calculators use the same method, but some may differ (e.g. assume down payment is first month's payment). Adding an APR interest rate required that the Plan be fully locked.

  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).

Note: When you create the schedule, a detailed note of the terms shows for future reference. Other notes can be added as needed.

Sign & Print: Only displays when using a custom sheet for Payment Plans, and a signature box is added to the sheet. Click to sign and print the payment plan. See Sign and Print Payment Plan.

Click OK to create the Payment Plan.

Production tab

From the Production tab you will add procedures and adjustments to the payment plan. Unlike normal payment plans, the total amount is not fixed and additional procedures and adjustments can be added.

  • Production for a given procedure can only be attached to a single payment plan.
  • Adjustments and insurance payments applied after the plan was created will change the amount of future charges if the Amount Attached does not have an override.

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

Print: Click to print list of attached production.

Add: Click to open the Select Production window.

Highlight procedures and/or adjustments to be included in the payment plan. Only adjustments that are not attached to procedures are listed.

  • Adjustments attached to procedures reflect in the Amount End field for the procedure.
  • We do not recommend selecting negative adjustments for attachment. Instead, attach them to a procedure first, and then select the procedure to attach it to the payment plan.

The procedure or adjustment Amount Attached defaults to the remaining balance of the production fee after insurance estimates/payments, negative adjustments, and patient payments. Edit the amount to override the default production amount attached to the payment plan with a new amount. If the amount is changed, additional insurance payments or adjustments applied towards the production will not automatically update the payment plan.

Editing an Existing Plan

Double-click to open an existing dynamic payment plan. The terms will be grayed out.

Click Unlock to edit the terms or add additional procedures or adjustments.

Delete: Click to 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. Any remaining production items that did not have a pay plan charge will be removed from the payment plan. The production amount will be subtracted from the total principal and the pay plan credits will be removed from the account.

Plans with APR cannot be edited. You must create a new plan to add treatment instead.

Payment and Interest Logic

Patient payments made towards a dynamic payment plan are first applied to any pay plan interest charges that have posted to the account. After the interest is covered, any payment amount left over is then applied to the principal balance.

When a patient pays more than what is currently due on the Payment Plan, the following prompt will populate: