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Pay in 4
Give your customers more flexibility without giving up control. Offer in-house installment payments on preorders and high-value items — you decide when to dispatch.
4
Equal payments
0%
Interest for customers
Payment Schedule
ActiveOrder #12345
৳12,000
৳3,000
Jan 15, 2025
৳3,000
Feb 15, 2025
৳3,000
Mar 15, 2025
৳3,000
Apr 15, 2025
How it works
From setup to shipping, here's how Spensit helps you offer flexible payment plans while staying in control.
Create a preorder in Spensit
Set up the item in Spensit as a preorder or lay-by. Choose the total price, deposit amount (if any), and due dates for the 4 payments.
Share the Pay in 4 checkout link
Send your customer a secure Spensit checkout link by SMS, WhatsApp, email, or social media so they can confirm the plan and pay the first portion.
Customer pays in 4 portions
Each installment is paid directly to you through Spensit. We keep a live record of what's been paid and what's still due for every customer.
Automated reminders and alerts
Spensit sends timely notifications before and on each due date, plus follow-up alerts if a payment is missed. You always see who's on track and who needs a reminder.
Dispatch when fully paid
Once all 4 payments are complete, Spensit flags the order as ready to dispatch so you can ship or hand over the product with confidence.
Ready to offer Pay in 4?
Set up your first installment plan in minutes
Why merchants love
in-house Pay in 4
Take control of your payment plans without relying on third-party finance providers.
Keep control of your cash flow
Money goes straight from your customer to you through Spensit. No third-party lender or complicated finance contracts.
Perfect for preorders and made-to-order items
Take preorders early, collect payments in stages, and only produce or dispatch once the order is fully paid.
Less chasing, more selling
Automated reminders and due-date alerts reduce manual follow-ups and DM chasing by your team.
Clear visibility on every plan
Track outstanding balances, upcoming installments, and completed plans in one dashboard.
Flexible rules for your business
Choose your own minimum order amount, first payment percentage, and how long customers have to complete their 4 payments.
You stay in control
Dispatch only when fully paid. No risk of chargebacks or unpaid balances affecting your inventory.
Manage everything in one dashboard
See all active payment plans, track who's paid, who's due, and which orders are ready to dispatch — all in real-time.
- ✓Live payment status for every customer
- ✓Automated reminder scheduling
- ✓One-click dispatch notifications
Active Payment Plans
24 ActiveRahim Khan
৳8,000 • 2/4 paid
Fatima Ahmed
৳15,000 • 3/4 paid
Karim Hassan
৳12,000 • 4/4 paid
A better experience
for your customers
Make it easy for customers to buy what they want, when they want it — without the stress of paying all at once.
Easier to say "yes" to bigger baskets
Customers spread the cost over 4 payments instead of paying everything upfront.
Simple, transparent schedule
Spensit shows exactly what is due, on which date, with a clear payment history.
Proactive reminders
Email/SMS notifications and alerts before each due date help customers stay on top of their payments and avoid missing out on their preorder.
Payment Plan Active
Your order is confirmed!
Premium Headphones
Order #12345
Payment Schedule
Payment 1
Jan 15
Payment 2
Feb 15
Payment 3
Mar 15
Payment 4
Apr 15
Payment Reminder
Your next payment of ৳3,000 is due in 3 days
25%
Average increase in order value with Pay in 4
95%
Payment completion rate with automated reminders
0%
Interest charged to customers
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Net Income
$4,500
Expense
$1,691