Is 100% automated recurring installment billing possible using Make + Monday + Stripe/QuickBooks?

Questions
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1

:bullseye: What is your goal?

A student is added to Monday with a total program value (e.g. $500)
Student pays monthly installments (e.g. $100 for 5 months)
First invoice must be sent automatically
After first payment, future payments should be charged automatically every month
No manual monthly invoice creation
Monday.com must update total paid, remaining balance, and payment status automatically

:thinking: What is the problem & what have you tried?

I am trying to build a fully automated installment billing system.

A student is added to Monday.com with:

  • Total program value (e.g. $500)
  • Monthly installment amount (e.g. $100)
  • Duration (5 months)

Automation requirements:

  • First invoice must be created and sent automatically via Make
  • After first payment, future monthly payments must be charged automatically
  • No manual monthly invoice creation
  • Monday.com should update:
    • Total paid
    • Remaining balance
    • Payment status (paid / failed / overdue)

I am unable to find a way to make recurring charges fully automatic without manual steps.

:clipboard: Error messages or input/output bundles

No hard system errors.
The issue is platform limitations and recurring payment authorization.

4

Hello,

I’ll be happy to help with your use case, but it’s important to clarify that this is not as straightforward in Stripe as “just creating a subscription.”

With Stripe’s current model, you effectively have only two ways to implement a truly enforced installment workflow:

  1. Use a BNPL provider (for example, Klarna), which handles the credit logic and repayment obligation on their side.

  2. Use Invoice Payment Plans (Create invoice payment plans), which is currently in beta and available only via private access- more details here

All other approaches in Stripe (including subscriptions or custom off-session charges) are technically cancellable. In those models, the customer can always stop future payments- by canceling the subscription, removing the payment method, or blocking further charges with their bank.

So while Stripe can automate recurring charges, it cannot guarantee that all installments will be collected unless you rely on BNPL or the invoice payment plan feature.

So take it under consideration first.

If you decide to go with standard subscription methods- you should start by planning your database to work with whole system as you must store payment dates, last payment date and handle access revoke or notifications if payment will be unsuccessful. That’s pretty complex system to be honest.

Have a nice day,
Michal

5

Hi @Ani1 ,

The requirements you mentioned can be achieved using Make.com + Monday.com + Stripe and/or QuickBooks, and it is possible to set up a 100% automated recurring installment billing workflow with these tools.

To provide accurate guidance and ensure the automation is designed correctly, could you please explain your workflow in more detail? It would be very helpful if you could walk us through the logic you’ve implemented and how the modules are connected.

This will allow us to fully understand your approach and suggest precise improvements or corrections where needed.

Best regards,
Msquare Automation
Platinum Partner of Make
@Msquare_Automation