Payment Plan

Payment Plans, formerly called Dynamic Payment Plans, are patient repayment agreements.

In the Account Module Payment Plans grid, they show with the Type DPP.

  • The grid can also include Old Payment Plans, Installment Plans and Insurance Payment Plans.
  • If production on a Payment Plan has been overcharged, the plan turns yellow. Run the Payment Plans Overcharged Report to find any overcharged production.
  • Payment Plans are only functional with an Insurance Payment Plan for the same procedures if set up correctly. See Setting up a Payment Plan in Conjunction with an Insurance Payment Plan at the bottom of this page.
  • The Open Dental Service is required to use Payment Plans. This service updates plans as needed daily. To set a time for Payment Plans to update, see Preferences, Pay Plan run time.

To create a new Payment Plan, in the Account Module, click Payment Plan, Payment Plan.

Alternatively, double-click an existing Payment Plan to edit.

Related Links:

Payment Plans can be open-ended or fully locked once created. See General Setup at the bottom of this page for instructions.

Category / Patient / Guarantor

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 makes the payments. Defaults to the family guarantor. The guarantor can differ from the family guarantor and does not have to be in the patient's family. Click Change to choose a different guarantor for the Payment Plan. Click Go To to switch to the guarantor's account.

Lock Options

Full Lock: Check to permanently lock the current terms of the plan.

Unlock: Option is available when opening an existing plan and Full Lock is unchecked. Click to unlock the Terms section in order to make edits.


Date of Agreement: Defaults to today's date. Can be changed to a past date. If the Allow future dated transactions preference is enabled, can also be changed to a future date.

Total Principal Amount: The total amount of the Payment Plan, excluding interest. Calculated based on the attached production.

Date of First Payment: Set the date of the patient's first payment is due. Used to determine the Amortization Schedule.

Down Payment: The amount the patient is paying upfront, before periodic charges.

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 periodic 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 show in the Note field. Production must be attached first.

Cancel: Do not save changes made to the Terms on existing plans. Click Unlock to enable. Only appears for existing Payment Plans.

Save: Save changes made to the Terms on existing plans. Only appears for existing Payment Plans. Click Unlock to enable.

Templates: Open Payment Plan Templates to quickly set terms.

Loan Information

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. Does 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 are added to the note. Other notes can be added as needed. Right-Click the text box for additional options.

If Pay Plans use Sheets is enabled in Preference, additional Terms and Conditions are displayed when viewing or signing the repayment agreement. Customize the Payment Plan Terms and Conditions in Preferences. Updating the terms also updates 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.

Ungrouped: Determine how Pay Plan Charges and payments are displayed in the Amoritization Scheduled.

Hide past activity: When checked, only future-dated line items are shown 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 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 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.

Show Attached P&I: View Pay Plan Charges and paysplits associated with the attached production.

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.


If the payment plan terms have a valid Electronic Signature, the signature is displayed. If there is no electronic signature, this area is hidden. See Sign and Print Payment Plan for details on signing the Payment Plan.

Saving, Closing Plan, and More

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

Close Plan: Click to close a Payment Plan that is no longer being paid on (i.e., paid off or patient stopped making payments).

Printing options: The available printing option changes depending on certain factors. See Sign and Print Payment Plan for detailed information.

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

Click Save to close the Payment Plan and keep changes.

General Setup

To set up a Payment Plan, follow the steps below:

  1. Verify the Date of Agreement. This is generally today, but a past date can be entered.
  2. Optional: Enter the Down Payment. The down payment is due today when the scheduled is created, regardless of the Date of First Payment or Date of Agreement.
  3. Attach Production. Total Principal Amount calculates automatically.
    1. Click the Production tab.
    2. Click Add.
    3. Select the procedure(s) or adjustment(s) to be paid by the Payment Plan.
      • Unattached negative adjustments cannot be attached to a Payment Plan. Attach the Adjustment to a procedure being paid by the Payment Plan instead.
    4. Click OK.
    5. Repeat the steps to add any additional procedures.
  4. Optional: Input the APR and interest terms.
  5. Input the Number of Payments or Payment Amt.
  6. Select the Charge Frequency.
  7. If treatment planned procedures are included in Attached Production, select an option for Handle Treatment Planned.
  8. Click Create Schedule to create the Amortization Schedule.
  9. Verify the Payment Plan information.
  10. Print or send the Payment Plan to the eClipboard for patient signature.
  11. Optional: To prevent changes (e.g., adding additional production, changing repayment terms, etc) to the Payment Plan once it is saved, enable Full Lock. Required for Payment Plans with APR when the preference, Require full lock to save a Payment Plan if there is an APR entered, is enabled.

Edit an Existing Plan

Double-click into an existing plan.

Click Unlock to edit the Terms. Payment Plans with Full Lock enabled cannot be edited.

Editing Payment Plan Charges

Double-click an unpaid, periodic, posted Pay Plan Charge to edit. Down Payments cannot be edited.

Click Delete to remove the charge from its current date.

If a grouped charge with multiple production items is selected, the Pay Plan Charge Selection window opens instead.

Click Zero out charges to reduce the principal on all listed charges to zero. The charges are moved to the next charge date and subsequent charges rescheduled. To edit a specific charge, select it and click OK to open the Edit Payment Plan Charges window for the selected charge.

Update Amortization Schedule

After editing production or changing any terms, the Amortization Schedule must be updated. Click Create Schedule to update the Amortization Schedule. Any current charges that have been billed are not changed, but future charges are updated to match the current terms.

Once changes have been made to the Payment Plan Terms or the Amortization Schedule, click Save to save changes. Click OK to exit the Payment Plan window.

View or Reopen Closed Payment Plans

Payment Plans that have been closed are still available to view or to reopen if needed. Only open Payment Plans can be edited; changing historical information is not recommended.

To show closed Payment Plans in the Payment Plan grid:

  1. In the Account Module, click the Show tab.
  2. Check the box for Show Completed Pay Plans. This affects all workstations.

All closed plans for the patient list in the Payment Plan grid in a light text color.

To reopen a closed Payment Plan:

  1. Double-click the closed plan to open the Payment Plan window.
  2. In the lower right, click Reopen.

Only past activity shows in the Amortization Schedule. To reinstate the Payment Plan, a new Amortization Schedule needs to be created.

Account Module Patient Account Tab

Credits, debits, and payments for Payment Plans can optionally show as line items in the patient's Account Module and affect balances and aging depending on the Pay Plan charge logic preference.

If the Pay Plan charge logic is set to an option that display Pay Plan Credits as line items in the account grid, treatment planned procedures are treated differently depending on the selected Handle Treatment Planned setting of the Payment Plan.

Setting up a Payment Plan in Conjunction with an Insurance Payment Plan

In order for a Payment Plan to function properly with an ongoing Insurance Payment Plan, it must be set up a specific way. Follow the steps below to set up a Payment Plan for use with an Insurance Payment Plan.

  1. Create the Payment Plan:
    1. Attach production to the plan for the correct procedures. Ensure the amount (i.e., patient portion) is correct.
    2. Set all other plan terms, schedule, and verify any other information.
    3. In the Production tab, enter the Amount Override for the expected patient portion for all procedures being paid by the Insurance Payment Plan.
  2. Create the Insurance Payment Plan at the time of receiving first insurance payment.
    • Be sure to input the correct Tx Completed Amount (this should be the expected total payment from insurance).

If the patient portion changes, update the Amount Override in the Production tab of the Payment Plan for plans not set to Full Lock. If the plan is set to Full Lock, this cannot be updated.