ACP Flexible Payment Plans helps you understand and manage your payment plan directly within the Bill Explainer microsite.
When a payment plan is active on your account, Bill Explainer automatically detects it and adjusts the experience to clearly show how your balance is split between immediate and scheduled payments.
You can view key plan details such as financed amount, instalments, remaining payments, payment history, and any applied discounts through an inline Payment Plan widget.
Key Benefits
For consumers: You clearly understand what you need to pay today and what is scheduled for future payments.
For customer service representatives (CSRs): You can quickly explain payment plan details, reducing confusion and billing-related calls.
For sales and GTM teams: You can demonstrate a complete, transparent payment experience that improves customer trust and retention.
Use Case
The problem
When a payment plan is active, customers may see different amounts, such as Total Due and Pay Today, without understanding why they differ. This can create confusion and lead to unnecessary support calls.
The solution
ACP Flexible Payment Plans clearly explain how payments are structured:
The experience differentiates between Total Due and Pay Today
Messaging explains that a portion of the balance is scheduled for future payments
A Payment Plan widget provides full visibility into plan details
AI Insights explain changes based on the current state of the plan
What You See (Consumer Experience)
When a payment plan is detected:
Pay Today vs Total Due
Total Due shows your full balance
Pay Today shows the amount due for the current billing cycle
Supporting text explains: part of your balance is scheduled for future payments
Updated Payment CTA
The payment button changes from Pay Now to Pay Today
This reinforces that only a portion of the total balance is required immediately
AI Insight Messaging: AI-generated messages adapt based on your plan status:
Plan starting: Explains that a payment plan has been applied
Plan ending: Highlights that the final payments are approaching
Partial payment impact: Explains how payments affect the remaining balance
Payment Plan Widget: The inline widget provides a complete view of your plan:
Amount financed
Instalment amount
Total instalments
Remaining instalments
Start date
Projected end date
Payment history
Amnesty or applied discounts
How It Works
Bill Explainer checks your statement data to detect if a payment plan is active. If a plan is detected:
The UI adjusts to show Pay Today vs Total Due
AI Insights are updated with plan-aware messaging
The Payment Plan widget is displayed
If no plan data is present, the standard experience is shown without any payment plan elements.