This guide is for anyone paying for a course in monthly payments on a course provider's website. It explains how to choose monthly payments at checkout, how the payment dates and amounts are set, and how to pay each later payment. The website shows the course provider's own name and logo; Cademy is the booking system behind it and sends the payment emails.
Monthly instalments: A payment plan that splits your order total into equal monthly payments. At checkout the option is named after the number of payments, for example 6 Monthly Payments. The emails call it your payment plan.
Course provider: The training provider or trainer running the course. They decide whether monthly instalments are offered and how many payments there are. They also control the order, prices, cancellations and refunds.
Order owner: The person whose account the order belongs to. The order owner receives the payment emails and can open the order in their account.
Participant: The person attending the course. A participant booked by somebody else does not receive the payment emails and cannot open that person's order in their own account.
You pay the first payment when you place the order. Cademy then emails the order owner before each later payment. Later payments are not taken automatically: you pay each one yourself, by card or PayPal.
Monthly instalments are a payment plan on your order with the course provider. They are separate from Klarna and from PayPal Pay in 3, which are run by Klarna and PayPal and are not covered in this guide. Klarna cannot be used to pay a monthly instalment.
Choose Monthly Payments at Checkout (Payment Plan)
Use these steps to split the cost of your order when you book. The option is shown only when the course provider offers it for your order.
Continue through checkout to the Payment step.
Under How would you like to pay?, select the option named [number] Monthly Payments, for example 6 Monthly Payments. It is listed after Pay in Full and, when the course provider also offers a deposit, after the deposit option. The option shows the amount you pay today and the number and amount of the later payments. You choose one option: a deposit and monthly payments cannot be combined on the same order.
Read the line that appears under the options. It gives the monthly amount and the date of the final payment.
Under Select Payment Method, choose Card / Apple Pay / Google Pay or PayPal. Only the methods the course provider accepts are listed.
Complete the first payment.
The confirmation page then lists your payments in the order summary, unless the course provider hides prices at checkout. The order owner receives a Payment plan confirmed email. It says that the first payment has been received and the order is confirmed. It also shows the amount paid so far, the remaining balance and the date of each later payment.
Courses that need the course provider's approval: Checkout still offers monthly payments. Your first payment is held on your card or PayPal account, not taken. It is taken, and your order confirmed, only when the course provider approves your booking. Until then, the order owner receives an email saying the order is being processed, and no further payment can be made online. The Payment plan confirmed email is sent after approval.
Why Monthly Payments Are Missing at Checkout
The option is left out of checkout in each of these cases:
The course provider does not offer monthly instalments, or has switched them off for a course in your basket.
The course provider accepts neither card nor PayPal for your order.
The order total is zero after any discounts, promo code or gift card.
The total is so small that one monthly payment would be below the minimum amount for a card payment. The minimum depends on the currency, for example £0.30 or US$0.50.
You are sending the course provider a booking request or an application, instead of booking directly. The request and application forms do not offer payment plans.
If you add a promo code or gift card, or change your basket, and one of these cases then applies, the option disappears and checkout returns to Pay in Full. Contact the course provider if you need to discuss another way to pay.
If the course provider created the order for you: A course provider can set up monthly instalments on an order they create for you. You do not go through checkout. The course provider asks you for the first payment instead, and the later payments follow the schedule and reminders described in this guide.
When Each Monthly Payment Is Due (Your Payment Schedule)
The number of payments and the date of your order decide the schedule:
The course provider sets the number of payments, from 2 to 12.
The first payment is due on the day the order is placed. At checkout, you pay it straight away.
Each later payment is due one calendar month after the one before it, on the same day of the month as the order, in the course provider's time zone.
If the order was placed on the 29th, 30th or 31st and a later month is shorter, that month's payment is due on the last day of that month.
The order total, after any discounts, promo code or gift card, is split into equal payments. If it does not divide exactly, the small difference is added to the first payment.
The dates of the course do not change the payment dates.
Example: an order of £1,000 is placed on 3 August with 6 Monthly Payments. The first payment is £166.70 on 3 August. Five payments of £166.66 follow on 3 September, 3 October, 3 November, 3 December and 3 January.
Each payment has a status. The wording depends on where you read the schedule:
On the checkout confirmation page: Paid, Next or Scheduled.
In emails: Paid, Due today, Overdue, or Due with the date.
On the payment page, under Your Payment Plan: Paid, Due, Overdue or Scheduled. Due means the payment is due today. Overdue means its due date has passed. Scheduled means it is due on a later date.
If the course provider changes the total of your order after you have started paying, the schedule changes with it. A lower total reduces or removes the last payments. A higher total is added to the final payment.
Pay Your Next Monthly Instalment
Cademy emails the order owner twice about each later payment that is still unpaid:
Payment due soon: Sent seven days before the due date. It gives the amount and the date. It has a Pay Now button only when an earlier payment is already overdue and the course provider includes payment links. The button then pays the overdue amount.
Payment due today: Sent on the due date. It gives the amount due, including any earlier payment that is still unpaid. When the course provider includes payment links, it has a Pay Now button.
There is no payment link in my email. A course provider can turn payment links off. The emails then show what is due and when, without Pay Now. Contact the course provider and ask how they would like you to make the payment.
To pay when your email has Pay Now:
Open the newest payment email that has Pay Now. This is the Payment due today email or, after a missed payment, the Payment Overdue email.
Select Pay Now. The payment page opens. You do not need to log in.
Check the amount in the heading, which reads Pay [amount].
Choose Card / Apple Pay / Google Pay or PayPal. If the course provider accepts only one of them, it is already selected.
Complete the payment. The page shows Payment Received.
While payments remain, Back to Your Order on that page opens Your Payment Plan, which lists every payment with its date, amount and status.
After each later payment, the order owner receives a Payment received email with the amount paid so far, the remaining balance and the schedule. After the final payment, the order is paid in full. For an order placed at checkout, the final email is Payment plan complete.
Pay an Instalment from Your Account (Your Payment Plan)
If you cannot find the email, the order owner can reach the same payment from their account on the course provider's website. This route is available when the course provider includes payment links.
On the course provider's website, log in if you are not logged in already: select Log in in the page header or, on a smaller screen, open the account menu and select Log in or Sign Up.
Select My Account, then My Courses & Bookings, then Orders & Billing.
Find and select the order.
Under Invoices, select Pay Invoice. Your Payment Plan opens.
If a payment is due or overdue, select Pay [amount] Now. The payment page opens. Choose Card / Apple Pay / Google Pay or PayPal and complete the payment.
If nothing is due yet, Your Payment Plan has no payment button. It shows the amount and date of your next payment instead. A later payment cannot be paid before its due date through these links.
No Pay Invoice button on the order? It is not shown while your booking is waiting for the course provider's approval, or when the course provider has turned off payment links.
Payment Methods for Monthly Instalments (Card or PayPal)
Every monthly payment, including the first, is paid by Card / Apple Pay / Google Pay or PayPal. Each method is offered only when the course provider accepts it. Klarna, payment by invoice and the course provider's manual payment option cannot be used for monthly instalments.
PayPal is not available for orders in Malaysian ringgit (MYR) or South African rand (ZAR). Monthly payments in those currencies are paid by card.
If a Monthly Payment Becomes Overdue
A payment becomes overdue on the day after its due date if it is still unpaid. The status of the order then changes to Overdue. When that change happens, Cademy sends the order owner a Payment Overdue email. When the course provider includes payment links, that email has a Pay Now button.
If the next payment becomes due before you have paid the overdue one, you do not receive two separate links. One payment link collects everything that is due so far. The payments that are not yet due keep their original dates.
The order is not cancelled automatically when a payment is overdue. The course provider's own payment and cancellation terms apply, so contact the course provider if you cannot make a payment or need to discuss the order.
View Your Payment Plan Order, Invoice and Receipt
The View & manage your order button in a Payment received or Payment plan complete email links to the page for the course you booked, not to the order page. The Payment plan confirmed email has the same button, unless the course is hosted outside Cademy. You can open the course page while your order is Partially Paid. For help opening it or your lessons, see "When You Can Open Your Course While Paying in Instalments" below.
To see the payment summary and the invoice, the order owner opens the order from their account:
On the course provider's website, log in if you are not logged in already: select Log in in the page header or, on a smaller screen, open the account menu and select Log in or Sign Up.
Select My Account, then My Courses & Bookings.
Select Orders & Billing.
Find and select the order.
Under Summary, the order page shows the status of the order, for example Partially Paid or Overdue, the amount paid so far and the total. Under Invoices, it shows the amount still outstanding. Select Download PDF to get the invoice. Once the invoice is paid in full, the PDF is a receipt.
Only the order owner can open the order in their account. A participant booked by somebody else needs to ask the order owner about the payment plan.
For full instructions, see Find Your Order, Invoice or Receipt for a Course Booking.
When You Can Open Your Course While Paying in Instalments
Sign in with the email address on your own place and open My Courses & Bookings. If you placed the order, you can also open it from Orders & Billing and select the course under Courses. An order marked Partially Paid or Overdue can still open the course page.
An approved order marked Partially Paid meets the course payment check once it covers at least the first instalment. Your course place also needs to be active or completed, and your access period still applies. An Overdue order does not meet the part-payment rule. A lesson that asks for full payment can stay locked even when the course opens.
If the course page says you are not booked, check the email address it shows. On a course date page the card reads You're not booked onto this course (the course provider can use another word, such as event or workshop); other course pages show No Order Found. If you booked with a different email address, select Log In With a Different Email (Log in with a Different Email on the No Order Found page) and log in with the address connected to your booking. If the address is correct, contact the course provider with the course name, order number and message shown. Do not use the Book Course button (or the course provider's own label for it) or Order Course to recover your booking: those buttons start a new checkout.
If a lesson is still locked, see Can’t Access Your Course or a Lesson? What to Check. If someone else placed the order, ask them or the course provider about the payment.
If an Instalment Payment Link Does Not Work
A payment link that cannot be paid shows one of these messages:
Nothing to Pay: This payment has already been made.
This Payment Request Was Cancelled: The link can no longer be used.
This Payment Request Is No Longer Available: The amount still owed on the invoice has changed, so this link can no longer be paid.
This Order Was Cancelled: The order can no longer be paid online.
Your Booking Is Awaiting Approval: The course provider has not approved your booking yet. You can pay once it is approved.
We Couldn't Find That Page: The link is incomplete or incorrect. Open it again from the email.
Open the newest payment email first. When the amount due changes, the payment link is replaced, and an older link takes you to the current one. If the newest link still cannot be paid, contact the course provider.
If Your Payment Plan says that an amount is due and your payment link is on its way, the current link has not been created yet. Payment links are updated once a day. Check your email, or open the page again the next day.
If the payment page says that online payment is not available, the course provider cannot take a card or PayPal payment at that moment. Contact the course provider to arrange the payment.
Related Guides
Offer Payment Plans (Monthly Instalments), for course providers who want to offer monthly instalments
Frequently Asked Questions
Are monthly instalments the same as Klarna or PayPal Pay in 3?
No. Klarna and PayPal Pay in 3 are run by Klarna and PayPal. Monthly instalments are a payment plan on your order with the course provider: the schedule is part of the order, and you pay each payment yourself by card or PayPal. Klarna cannot be used to pay a monthly instalment.
Will my card or PayPal account be charged automatically each month?
No. Later payments are not taken automatically. When the course provider includes payment links, use the Pay Now button in the email for each payment. If there is no button, contact the course provider.
Why does the Payment due soon email have no Pay Now button?
The email sent seven days before the due date tells you the amount and the date. The payment link arrives in the Payment due today email, when the course provider includes payment links. The earlier email has Pay Now only when you already have an overdue amount.
Can I pay a future instalment early or pay off my payment plan?
No, not through the payment links. A link is created only for an amount that is due or overdue. Contact the course provider if you want to pay sooner.
Why am I not receiving the payment emails?
The emails go to the order owner. If somebody else booked the course for you, ask that person to check their inbox and spam folder. If you placed the order yourself, check your spam folder, then contact the course provider to confirm the email address on the order.
What should I do if my payment link was cancelled or is no longer available?
Open the newest payment email first, because a newer link replaces an older one. If that link also cannot be paid, contact the course provider for an up-to-date link.
Who should I contact about changing or cancelling the order?
Contact the course provider. They manage the order, prices, payment terms, cancellations and refunds.