Ally allows you to configure different customized payment methods, including the number of installments and the application of interest.
Important: The system provides some pre-registered payment methods. These methods do not include interest on installments and can be removed if desired.
STEP 1 - Access
Click on the Profile Picture Icon in the upper-right corner > Settings > Finance > Payment Methods.
STEP 2 - Create a New Method
Click the green button "New Method".
A window will open for you to configure your preferences for the payment method you are creating:
Name: The name of the payment method to identify it in the future.
Payment Method For: Select the offices where this payment method will be available.
Type: Choose whether the payment will be made via Debit or Credit.
Discount (%): Set a fixed discount to be applied with the payment method, which is common for cash or upfront payments. The discount is applied to the total amount before installment terms.
(Important: The discount will be applied as a percentage.)Days to Receive: Credit payments are typically postdated by 30 days. However, Ally allows you to adjust the interval for posting the payment values.
Types of Interest Rates: This selection requires careful attention. Here, you define how the interest will be applied to the payment method:
Simple Interest: Interest is fixed and applied to the initial amount of a credit purchase.
Compound Interest: Interest is applied on top of previous interest (interest on interest).
Future Value Interest: Calculates payment using compound periods, fixed interest rates, yields, and the initial value to determine periodic payments.
Coefficient Interest: Variables include both the interest rate and the number of periods in the operation.
Without Interest: No interest rates are applied.
Maximum Installments: Set the maximum number of installments for the payment. You can configure different rates for each installment or apply a fixed value increase to individual installments.
Advanced Options: You can define how interest rates are applied, anticipate installments, or fix the number of installments for payment.
Define: Segment and edit rates according to the number of offered installments. These values will be added to installments when selecting the installment payment option in the quote.
You can choose between applying the values as a percentage or a fixed value.
Important: This respects the type of interest rate selected in step 6. If the interest to be applied is fixed, you must manually add the percentage value for all installments.
Installments: Specify in which installment the rate will be applied.
Monthly Interest: Define the interest rate for each installment.
Flat Rate: Add a fixed or percentage value to each installment.
(Important: The registered value is added before applying the interest specified in the "Monthly Interest" field.)
Flat Rate Type: Define whether the value in the Flat Rate field is a percentage or a single fixed value.
Once all fields are selected, click "Save and Close", and the method will be available to use when selecting the installment option for your quote.
If you still have questions, please contact support or reach out via WhatsApp.