<h1>Offer Customers a Savings Plan to Buy Your Products</h1>
Savings Plan for WooCommerce helps users save for products you sell. When the buyer saves the total purchase price, it alerts them.
<h2>Types of Savings Plans</h2>
Fixed Installment
The user saves a fixed amount for a specified period.
Fixed Duration
The user saves for a product within a defined period. The user can save any amount, any number of times.
Indefinite Duration
In this Savings Plan type, there is no time limit. The user saves any amount any number of times.
<h2>Benefits</h2>
Convert potential prospects to customers
Offering a convenient way to save for future purchases within your site can help to convert potential prospects to customers.
Gain insights into future sales
Customers saving for purchases reveal future purchase intent. Track savings for products to predict purchase trends.
Attract new customers
Customers who benefit from savings plans may refer new users to your site.
<h2>How does it work?</h2>
Fixed Installments Savings Plan
<ul>
<li>A user lands on a single-product page.</li>
<li>If the user wants to purchase the product, they click the Add-to-Cart button.</li>
<li>If the user wants to save for the product, they have to select the Save-for-this-Product checkbox.</li>
<li>Once enabled, the available savings plans display in a dropdown menu.</li>
<li>Once a savings plan is selected, the following details will be displayed:
<ul>
<li>Number of installments</li>
<li>Installment amount and installment frequency</li>
<li>Plan the start date and end date</li>
</ul>
</li>
<li>When the user selects the Pay-First-Installment button, the product will add to the cart. Once payment is complete, the savings plan opens.</li>
<li>Your users can access their savings plan from their My Account Page > My Savings Plan.</li>
<li>The user will manually pay the remaining installments. You can optionally enable Automatic Payments when your users pay using WooCommerce Stripe Payment Gateway.</li>
</ul>
<figure style="width: 1080px" class="wp-caption alignnone"><img src="https://woocommerce.com/wp-content/uploads/2021/04/single-product-page-fixed-installment.png" alt="" width="1080" height="608" /><figcaption class="wp-caption-text">Fixed Installment Dates without Deposit </figcaption></figure>
<figure style="width: 1080px" class="wp-caption alignnone"><img src="https://woocommerce.com/wp-content/uploads/2021/04/single-product-page-fixed-duration.png" alt="" width="1080" height="608" /><figcaption class="wp-caption-text">Fixed Installment Dates with a Deposit</figcaption></figure>
Fixed Duration Savings Plan
<ul>
<li>A user lands on a single product page.</li>
<li>If the user wants to purchase the product, they click the Add-to-Cart button.</li>
<li>If the user wants to save for the product, they enable the Save-for-this-Product checkbox.</li>
<li>Once enabled, the available Savings Plans will display in a dropdown menu.</li>
<li>Once a Savings Plan is selected, the following details will display.
<ul>
<li>Plan start date and end date</li>
<li>A field to input the savings amount</li>
</ul>
</li>
<li>When the user selects the Pay-First-Installment button after inputting the savings amount, the product will add to the cart. The savings plan opens when the payment is complete.</li>
<li>Your users can access their savings plan from their My Account Page > My Savings Plan.The user will manually pay the remaining installments.</li>
<li>The Fixed Duration Savings Plan requires that the user saves for their chosen product within a defined time period. The user can save any amount, any number of times. You can optionally restrict the minimum or maximum amount of the savings plan.</li>
</ul>
<figure style="width: 1080px" class="wp-caption alignnone"><img src="https://woocommerce.com/wp-content/uploads/2021/04/single-product-page-indefinite-duration.png" alt="" width="1080" height="608" /><figcaption class="wp-caption-text">Fixed Duration with a Deposit and Indefinite Payments</figcaption></figure>
Indefinite Duration Savings Plan
<ul>
<li>A user lands on a single product page.</li>
<li>If the user wants to purchase the product, they click the Add-to-Cart button.</li>
<li>If the user wants to save for the product, they enable the Save-for-this-Product checkbox.</li>
<li>Once enabled, the available savings plans will display in a dropdown menu.</li>
<li>Once a savings plan is selected, the following details will display:
<ul>
<li>Plan start date</li>
<li>A field to input the savings amount</li>
</ul>
</li>
<li>When the user selects the Pay-First-Installment button after inputting the savings amount, the product will add to the cart. The savings plan opens when the payment is complete.</li>
<li>Your users can access their savings plan from their My Account Page > My Savings Plan.The user will manually pay the remaining installments.</li>
<li>In the Indefinite Duration Savings Plan type, there is no time limit. The user can save any amount, any number of times. You can optionally place a restriction on the minimum or maximum amount saved.</li>
</ul>
Product Fulfillment Process
<ul>
<li>Once all installments are paid, the user is notified by email. The emails contain links directing users to checkout pages.</li>
<li>On the checkout page, the user can review their shipping address and make changes if needed. Users can agree to pay shipping costs, if applicable, and place their orders.</li>
<li>Savings Plan for WooCommerce helps users to save for products sold in your shop and purchase them once they save the total price.</li>
</ul>
<figure style="width: 1080px" class="wp-caption alignnone"><img src="https://woocommerce.com/wp-content/uploads/2021/04/savings-plan-email.png" alt="" width="1080" height="608" /><figcaption class="wp-caption-text">Savings Plan Completed Email</figcaption></figure>
<figure style="width: 1080px" class="wp-caption alignnone"><img src="https://woocommerce.com/wp-content/uploads/2021/04/savings-plan-product-fulfillment.png" alt="" width="1080" height="608" /><figcaption class="wp-caption-text">Product Checkout After Saving the Money </figcaption></figure>
<h2>Requirements</h2>
Minimum PHP version: 5.6

Savings Plan

Savings Plan for WooCommerce helps users to save for products sold on your shop and receive them once the amount has been saved.

<h2 class="wp-block-heading">Key Features</h2>
<ul class="wccom-tick-list-secondary">
<li>Apply a global extra fee across all payment gateways in one step to simplify your checkout fee strategy. Example: Add a 2% processing fee that automatically applies to every payment method without setting them up individually.</li>
<li>Charge fees or offer discounts based on the payment method to balance transaction costs. Example: Charge an extra $0.30 for PayPal payments or offer a 2% discount for Direct Bank Transfers.</li>
<li>
Configure more than one fee for a single payment gateway to cover additional costs. Example: Add a $0.30 fee for processing PayPal payments and an additional 3.9% charge for the order total.
</li>
<li>
Add specific fees for certain product categories or exclude them entirely for others. Example: Apply a 2% fee for electronics and exclude fees for apparel purchases. 
</li>
<li>Apply payment gateway fees conditionally based on the selected shipping method to fine-tune your checkout costs. Example: Add a ₹50 fee for Cash on Delivery only when Flat Rate Shipping is used, and skip it for Free Shipping.</li>
<li>Choose whether fixed product-level fees are charged once or multiplied by quantity for more accurate cost control. Example: Charge a ₹100 fee per item for fragile goods, so ordering 3 units adds ₹300 instead of just ₹100.</li>
<li>Tailor fees to reflect regional transaction costs or currency exchange charges. Example: Add a 4.4% fee for non-U.S. payments and 2.9% for U.S.-based transactions.</li>
<li>Apply percentage-based fees either on each product or the full cart total when fees are set at the product level. Example: Add a 5% handling fee per product for fragile items or apply 5% to the entire cart for bulk orders.</li>
<li>Avoid cart abandonment by informing customers of fees upfront on the product page. Example: Show “2.5% extra charge applies for PayPal payments” on the product details page.</li>
<li>Customize fees as a fixed amount or a percentage of the total order value. Example: Apply a 2.5% fee on the total order value for credit card payments or charge a flat $0.50.</li>
<li>Avoid discouraging small orders by waiving fees below a set order amount. Example: No additional fees for orders under $20.</li>
<li>Set payment gateway-specific fees or discounts for individual products to handle product-based pricing strategies. Example: Add a ₹50 fee for COD only on heavy items, or offer a 5% discount for prepaid orders on select electronics.</li>
<li>Set fee limits to keep charges reasonable and predictable. Example: Cap the fee at $5 for high-value orders while maintaining a minimum of $1.</li>
<li>
Ensure some payment methods remain fee-free to encourage their usage. Example: No extra charges for Stripe payments while fees apply to others.
</li>
<li>Apply or skip fees depending on whether a coupon is used during checkout. Example: Waive the payment gateway fee if the customer uses a 10% discount coupon.</li>
<li>Ensure compliance by applying taxes to gateway fees where required. Example: Add a 7% tax to a $2.00 payment gateway fee in applicable regions.</li>
<li>Keep gateway fees fair by calculating them only on product costs. Example: Apply a 2% fee on the subtotal without including shipping charges in the calculation. </li>
</ul>
<h2>Manage Payment Gateway Charges and Maintain Transparent Pricing </h2>
The Payment Gateway Based Fees & Discounts plugin allows you to add extra fees as a fixed amount or a percentage of the cart total. It also lets you offer discounts, acting as cashback, for specific payment gateways. Additionally, it ensures transparency by showing the exact fee amount during checkout.
<h3>Add Extra Fees or Discounts for Payment Gateways <img class="aligncenter size-full wp-image-18734004790110" src="https://woocommerce.com/wp-content/uploads/2025/01/dbt.png" alt="" width="980" height="536" /> Set Multiple Fees for Each Payment Gateway </h3>
<img class="aligncenter size-full wp-image-18734004790113" src="https://woocommerce.com/wp-content/uploads/2025/01/credit-card-fees-and-additional-fees.png" alt="" width="980" height="568" />
<h3>Apply Fees Based on Product Categories</h3>
<img class="aligncenter size-full wp-image-18734004790114" src="https://woocommerce.com/wp-content/uploads/2025/01/pgbf-categories.png" alt="" width="678" height="215" />
<img class="aligncenter size-full wp-image-18734004790115" src="https://woocommerce.com/wp-content/uploads/2025/01/electronic-category-frontend.png" alt="" width="980" height="513" />
<h3>Adjust Fees by Customer’s Country or State</h3>
<img class="aligncenter size-full wp-image-18734004790117" src="https://woocommerce.com/wp-content/uploads/2025/01/fees-based-on-country-us.png" alt="" width="980" height="538" />
<h3>Display Transparent Fee Information on Product Pages</h3>
<img class="aligncenter size-full wp-image-18734004790119" src="https://woocommerce.com/wp-content/uploads/2025/01/extra-fees-added-on-product-page.png" alt="" width="980" height="473" />
Use Fixed or Percentage-Based Fees for Order Totals
<img class="aligncenter size-full wp-image-18734004790120" src="https://woocommerce.com/wp-content/uploads/2025/01/minimum-cart-amount.png" alt="" width="705" height="182" />
<img class="aligncenter size-full wp-image-18734004790121" src="https://woocommerce.com/wp-content/uploads/2025/01/pgbf-order-total-based-fees.png" alt="" width="587" height="722" />
<h3>Skip Fees for Orders Below a Certain Subtotal</h3>
<img class="aligncenter size-full wp-image-18734004790123" src="https://woocommerce.com/wp-content/uploads/2025/01/fees-not-applied-if-minimum-order-total-condition-is-not-met.png" alt="" width="616" height="715" />
<h3>Apply Minimum and Maximum Fee Values</h3>
 
<img class="aligncenter size-full wp-image-18734004790125" src="https://woocommerce.com/wp-content/uploads/2025/01/min-and-max-fee-value.png" alt="" width="670" height="123" />
<h3>Exclude Certain Gateways from Fees</h3>
 
<img class="aligncenter size-full wp-image-18734004790126" src="https://woocommerce.com/wp-content/uploads/2025/01/exclde-certain-gateways.png" alt="" width="675" height="434" />
Enable Fees Based on Coupon Usage
<img class="aligncenter size-full wp-image-18734004790128" src="https://woocommerce.com/wp-content/uploads/2025/01/coupons-rule.png" alt="" width="755" height="522" />
Add Taxes to Payment Gateway Fees
<img class="aligncenter size-full wp-image-18734004790131" src="https://woocommerce.com/wp-content/uploads/2025/01/tax-totals-applied-to-cod-fee.png" alt="" width="762" height="660" />
<h3>Exclude Shipping Costs from Fee Calculations</h3>
<img class="aligncenter size-full wp-image-18734004790132" src="https://woocommerce.com/wp-content/uploads/2025/01/exclude-shipping.png" alt="" width="672" height="290" />
Percentage Fee Calculation on Entire Cart or Individual Products When Fees Are Enabled at Product Level
<img class="aligncenter size-full wp-image-18734005462583" src="https://woocommerce.com/wp-content/uploads/2025/02/Percentage-Fees-calculations-on-whole-cart-or-on-individual-product-when-fees-enabled-at-product-level-1.png" alt="" width="980" height="659" />
Payment Gateway-Based Fees Per Product
<img class="aligncenter size-full wp-image-18734005467757" src="https://woocommerce.com/wp-content/uploads/2025/02/paymen-gateway-based-fees-per-product.png" alt="" width="980" height="391" />
Global Extra Fee to Be Applied to All Respective Payment Gateways <img class="aligncenter size-full wp-image-18734005467767" src="https://woocommerce.com/wp-content/uploads/2025/02/Global-extra-fee-to-be-applied-on-all-the-respective-payment-gateways.png" alt="" width="980" height="493" />Fixed Fee Calculation: Apply Once or Multiply by Product Quantity at the Product Level 
<img class="aligncenter size-full wp-image-18734005467771" src="https://woocommerce.com/wp-content/uploads/2025/02/Fixed-Fees-calculations-only-once-or-multiply-by-product-quantity-at-product-level.png" alt="" width="980" height="633" />
Fee Based on Shipping Methods
<img class="aligncenter size-full wp-image-18734005467774" src="https://woocommerce.com/wp-content/uploads/2025/02/Fee-based-on-shipping-methods.png" alt="" width="980" height="693" />
<h2>Payment Gateway Based Fees and Discounts Free Vs Premium – Full Feature Comparison</h2>
<img class="aligncenter size-full wp-image-18734004897914" src="https://woocommerce.com/wp-content/uploads/2025/02/Screenshot_12-2-2025_152842_www.tychesoftwares.com_.jpeg" alt="" width="668" height="1903" />

Payment Gateway Based Fees and Discounts Pro

Add custom fees or discounts to payment gateways to balance transaction costs, encourage cost-effective payment methods, and maintain transparency at checkout.

Savings Plan vs Payment Gateway Based Fees and Discounts Pro