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Written guide

Subscriptions and payment plans

Set the charge up once and Cuanto bills your customer’s card on its own, right on schedule. Here’s how to build it, send it, and what to do when something fails.

8 minute read

Choose between subscription and payment plan

“When I’m going to charge someone more than once, I want to know which of the two fits, so I don’t set the charge up wrong and have to redo it.”

Cuanto has two ways to charge repeatedly. Choosing well takes ten seconds and saves you rebuilding the product.

Subscription

Pick this if you don’t know when it ends.

You set
How much is charged each time, and how often
It ends
When you or your customer cancel it
Example
Weekly bread, $25 every week

Payment plan

Pick this if you already know the total.

You set
The total amount and how many payments it splits into
It ends
Only when every payment is made
Example
A $300 ring in 6 payments of $50

The question that settles it

Do you know how much your customer will pay in total? If yes, it’s a payment plan. If it has no end, it’s a subscription.

There is nothing to activate. In Cuanto a subscription is a price inside a product. No permission, no application: you create the product, add the price, done.

The Ventas tab has a third section, Recurrentes. That’s where your automatic charges will appear.
Not sure which to use? Write to us ↑ Index

Charge the same every month (Subscription)

This is how you collect monthly fees without chasing anyone: build the price once and Cuanto charges on its own every period.

Before you start

You only need the product or service you’re going to charge for. Automatic charges are paid by Visa or Mastercard only — no Yappy, ACH or cash, because Cuanto needs to be able to charge on its own later. The app’s interface is in Spanish, so buttons below are quoted exactly as they appear on screen.

  1. On the Catálogo tab, tap Gestionar catálogo and choose Crear producto. If the product already exists, open it with the pencil and continue the same way.

  2. Type the Nombre del producto and upload a photo. This is what your customer sees when they open the link.

  3. Open the Precios tab and tap Crear nuevo precio. If the product is new, first tap Ver opciones avanzadas.

  4. Under Tipo de precio, switch Único to Recurrente.

  5. Under Tipo de precio recurrente, keep Suscripción.

    Price form with Tipo de precio set to Recurrente and Tipo de precio recurrente set to Suscripción.
    How the form looks. The gray band at the top shows your exact fee per transaction.

  6. Give it a Nombre del precio your customer understands, like “Mensual” or “Semestral”, and type the amount charged each time.

  7. Choose Período de conteo (day, week, month or year) and then Frecuencia. For example “mes” + “cada 6 meses” charges twice a year.

    Período de conteo set to month and Frecuencia set to every 6 months, with the delivery-per-cycle switch below.
    Period and frequency together set the rhythm of the charge. Below them comes the delivery switch.

  8. Tap Crear precio.

  9. Tap Crear to save the product.

Done: the price appears in the list with a Suscripción label. It charges nothing yet — it starts charging when a customer pays the link.

Decide whether delivery is charged every cycle

Subscriptions show a Cobrar entrega en cada cobro switch, and it comes on. On means the delivery cost is added to every charge, every month.

Turn it off if your price already includes delivery. Your customer then pays exactly the same amount every cycle.

If you never touched it, you’re charging delivery every month

The switch defaults to on. Review your recurring prices if you didn’t mean to charge delivery each cycle.

Stuck on a step? Write to us ↑ Index

Split an amount into several payments (Payment plan)

When the price is high and your customer can’t pay it in one go, splitting it into payments closes the sale today.

Before you start

The path is the same as a subscription up to step 4 — only the amounts change. Also Visa or Mastercard only.

  1. Create or open the product and go to the Precios tab, same as with a subscription.

  2. Under Tipo de precio, choose Recurrente.

  3. Under Tipo de precio recurrente, choose Plan de pagos.

  4. Type the Monto total del plan. This is the full price, not the per-payment amount.

  5. Choose the Cantidad de cuotas — how many payments it splits into. Cuanto calculates each payment for you and shows it right below.

    Cantidad de cuotas field set to 2, with each payment automatically calculated at $12.50 below.
    You type the total; the app calculates each payment.

  6. Choose how often it charges.

  7. Tap Crear precio.

  8. Tap Crear to save the product.

Done: the price gets a Plan de pagos label. The first payment is charged the day your customer buys; the rest follow on schedule.

If the total doesn’t split evenly, it won’t save

Cuanto will tell you «El monto total debe ser divisible entre la cantidad de cuotas» — the total must divide evenly. $100 doesn’t split into 3 equal payments: use $99 in 3, or $100 in 4. You can split into 2 to 12 payments, or 24.

Two differences from subscriptions

A payment plan can’t be paused and can’t be cancelled from the app: it runs until it completes. It also has no delivery switch, because delivery is charged once, at the start.

Got an error saving? Write to us ↑ Index

Send the charge to your customer

The automatic charge is born when your customer pays. You don’t activate it on their behalf: you send them the product link and they enter their card.

  1. Open the product from the Catálogo tab.

  2. Scroll down to «Comparte este producto con tus clientes».

  3. Tap Whatsapp to send it by chat, or Copiar enlace to paste it anywhere.

    Product details screen with the Whatsapp, Copiar enlace, Compartir and Duplicar buttons.
    With Ver página de producto you can preview how it looks before sending it.

Done: that same link works for all your customers. Each one who pays creates their own automatic charge.

The most common mistake: the green button

The Vender por enlace button floating on almost every screen creates a one-time charge. It doesn’t work for subscriptions or payment plans, even if the product has recurring prices. For automatic charges, always share the product’s link.

Customer says the link won’t open? Write to us ↑ Index

See what your customer gets

Before paying, your customer sees a screen that separates what they pay today from what will be charged later. The button repeats the price, so there are no surprises.

Checkout review screen with the Total hoy and Próximos cobros rows, and the Suscribirme por $55.00/mes button.
Under the name it says «Se renueva cada mes · cancela cuando quieras» — renews monthly, cancel anytime.

If you left delivery charging on, it appears as its own line marked «en cada cobro» (each cycle), so your customer understands why the total isn’t just the product price.

Checkout review showing a delivery line charged every cycle, added to the total.
Delivery charged per cycle is shown explicitly.

Cuanto warns them before every charge

Three days before charging, your customer gets an email with the amount and the date. This cuts complaints about charges the customer didn’t remember.

  • Monthly and yearly charges: a notice before every charge.
  • Weekly and biweekly: only before the first, to avoid flooding their inbox.
  • Payment plans: before each payment, saying how many remain.
  • If their card is about to expire, the notice changes and asks them to update it.
Advance notice email showing payment 3 of 5 coming on Monday, a five-segment progress bar with three filled, and the amount.
The payment-plan notice shows which payment they’re on and when the plan ends.
Want to see the exact email a customer got? Write to us ↑ Index

Know who paid and who didn’t

Go to Ventas and open the Recurrentes tab. It’s not a list of loose sales: it’s one row per customer, grouped by what you need to do. At the top sits Necesita atención with a count in parentheses. If that group is empty, you have nothing pending.

Recurrentes tab with the Necesita atención (2) group on top and the Al día group below, each row showing customer, amount and days without charging.
Each row shows the customer, the amount, and how many days since the last charge.

What each label means

Al día
Charged with no problem. Nothing for you to do.
En recuperación
A charge failed and Cuanto is retrying on its own. Your customer already got an email.
Pago vencido
It has gone a while without charging. This is when it pays to write to your customer.
Pausada
Paused until the date you set. It resumes on its own.
Completada
Payment plans only: every installment was paid.
Vencida
The recovery window ran out and it closed.
Cancelada
You or your customer cancelled it.
Can’t find a customer? Write to us ↑ Index

Pause, resume or cancel

Pausing is the alternative to cancelling. The customer isn’t charged and gets no deliveries during the pause, but keeps their price and their spot — and everything resumes on its own.

  1. Open the sale from Recurrentes and find the Suscripción card.

  2. Tap Pausar suscripción.

  3. Choose 1 mes, 2 meses or Elegir fecha. Under each option it tells you the date it resumes.

    Pause sheet with the 1 month, 2 months and pick-a-date options, the note field, and the Pausar hasta el 31 de agosto button.
    Each option previews the resume date and the new billing day.

  4. Optional: write a Nota para tu cliente. We include it in the email that tells them about the pause.

  5. Tap the button — it carries the date: Pausar hasta el 31 de agosto.

Done: the card shows Pausada hasta 31 de agosto and a Reanudar ahora button appears. That label is the confirmation; no other message shows.

Subscription card with the paused-until label and the Reanudar ahora, Pausar suscripción and Desactivar suscripción buttons.
While paused: you can resume early or extend the pause.

Worth knowing before you pause

The billing day moves
Pause until the 31st and your customer is charged on the 31st from then on. The change is permanent.
Three months max, up to two extensions
With Elegir fecha you can go from one week to three months out. You can extend a pause twice; on the third try the button disappears.
It resumes on its own
Nothing for you to do on the date. Your customer is warned three days ahead.
Not for payment plans
Nor for cancelled or past-due subscriptions. If you don’t see the button, that’s why.

Actually cancelling

Desactivar suscripción cuts the charge forever and can’t be undone. If your customer just needs a break, pause instead. Your customer can also cancel on their own from the emails Cuanto sends them; if they do, the sale is marked Cancelada with the reason they left.

Need to stop a payment plan? Write to us ↑ Index

Recover a failed charge

Cards fail — no funds, expired, or the bank declines. You don’t have to do anything right away, because a process is already running.

What happens on its own

  1. Day 0 · the charge fails

    Your customer gets an email with the reason and a button to enter another card.

  2. Days 1, 3, 7 and 14 · retries

    Cuanto retries the charge on its own. If one goes through, the label returns to Al día.

  3. Day 14 · past due

    The label changes to Pago vencido and moves up into Necesita atención.

  4. Day 45 · it closes

    If it never charged, the subscription closes on its own and your customer gets one last email.

When the bank declines the card outright

Some declines aren’t worth retrying — a cancelled card, for example. In those cases Cuanto doesn’t retry: it asks your customer for a new card, writing to them on day 0 and day 7.

Email to the customer titled No pudimos procesar tu pago, with the decline reason and the update-card button.
If your customer replies to this email, the reply goes to you.
Web page where the customer enters a new card and retries the pending charge.
They change their card straight from the email — no account needed.

What you can do

Open the sale and find the buttons on the Suscripción card. If one is gray, the reason is written right under it — it’s not broken.

Reintentar ahora
Charges the card right now. Useful when your customer tells you they have funds again. Once per day.
Enviar recordatorio
Re-sends the email asking them to update their card. One every 48 hours, three max per failed charge.
Desactivar suscripción
Cuts the charge forever. Can’t be undone, and only exists on subscriptions.
Sale detail with the charge history, the billing cadence, and the Reintentar ahora and Enviar recordatorio buttons.
The detail explains what’s happening in one plain line.
A charge stuck for weeks? Write to us ↑ Index

Money questions

The ones we get asked most — and the hardest to figure out alone.

How much do I pay per automatic charge? +
Your fee is always shown in the gray band at the top of the price form, with your percentage and the fixed amount per transaction. It is the same on every charge of the cycle, not just the first one.
When does the money from each charge reach me? +
Same as any other sale: each charge enters your balance when it processes, and goes out in your normal deposit. Automatic charges have no separate deposit schedule.
What happens if my customer cancels mid payment plan? +
A payment plan cannot be cancelled from the app — not by you, not by your customer: it runs until it completes. If you truly need to stop one, write to us and we will do it.
Can I subscribe a customer myself, without them doing anything? +
No. They need to enter their card and authorize the charge. You create the price and send them the link.
Can I charge each customer a different amount? +
Yes. Create one price per customer inside the same product and send each person their link. If you don’t want the prices visible in your store, keep the product hidden and share the direct link.
If I raise the product’s price, does it go up for people already paying? +
No. The change applies only to whoever subscribes from then on. Anyone already paying keeps the amount they accepted.
My customer says they paid, but it still shows «Pago vencido» +
Open the sale and tap Reintentar ahora. If the charge goes through, the label switches to Al día on its own. If it fails again, the problem is the card and your customer needs to register a new one from the email.
Does every charge show up as a new sale? +
In Recurrentes you see a single row per customer, with the whole history inside. The money does come in with every charge, like any sale.

Something not working out?

Write to us and tell us which step you’re stuck on. With the product name and the customer’s email we solve it much faster.

Trying and failing costs more than asking right away. If you’ve spent more than ten minutes on anything in this guide, write to us.

Message us on WhatsApp →

Or email us at [email protected]

What’s next?

Once your first recurring charge is running:

Guide based on the Cuanto version from August 13, 2026. Screens are real app captures; the app’s interface is in Spanish. If a screen looks different from yours, update the app before following the steps.