Abstract: Examples provide customizable rules-based payment plan management. A customized set of rules are applied to a user account data associated with a delinquent account having a past-due amount owed by a user. The set of rules are customized by a payee of the delinquent account. A payment plan is selected from a plurality of available payment plans based on application of the rules to the user account data. One or more payment methods are selected. An offer, including the selected payment plan and payment method(s), is generated for the user that is customized for the user based on the user account data. The generated offer is presented to the user for acceptance or rejection. The offer includes a payment term for at least partially satisfying a past-due amount owed by the user. If the user accepts the offer, the status of the account is changed from delinquent to non-delinquent.

Abstract: The subject invention advantageously allows a merchant to provide an override payment option, as an enticement, to pre-pay all or a portion of a series of recurring payments. With respect to recurring payments, the subject invention allows a merchant to alter pricing, if necessary, and/or to charge beyond a fixed term, e.g., to maintain a subscription. The invention includes monitoring payment requests made on a recurring payment basis over a payment network to ensure that any override payment is being properly accounted for along with any adjusted pricing and/or additional payments. This unconventional processing is not provided for with standard recurring payment systems.

Abstract: The subject invention advantageously allows a merchant to provide an override payment option, as an enticement, to pre-pay all or a portion of a series of recurring payments. With respect to recurring payments, the subject invention allows a merchant to alter pricing, if necessary, and/or to charge beyond a fixed term, e.g., to maintain a subscription. The invention includes monitoring payment requests made on a recurring payment basis over a payment network to ensure that any override payment is being properly accounted for along with any adjusted pricing and/or additional payments. This unconventional processing is not provided for with standard recurring payment systems.