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Allow the customer to pay an existing sales invoice by Direct Debit (BACS DD in the UK) in instalments using the stripe payment method. allow us to set up the instalment plan on the invoice page e.g. number of instalments, the tool could split the invoice amount into equal instalments automatically which the user can overide, or be able to set the instalment amounts manually if you wanted to collect more at the first payment for instance. Direct debit mandate approval handled by Xero/stripe, progress of the instalment plan visible by customer on their online statement view, automated emails to go to customer X number of days before the payment comes out of their bank account (stripe would typically handle this requirement anyway), failed payments to be automatically attempted again and appropriately reflected both in our xero org and on the customer online statement. incoming instament payments would be automatically reconciled against the invoice.

what would really be clever is if you were able to set up an instalment plan covering multiple invoices outstanding for a customer. you could select which invoices you wanted to include in the instalment plan and follow the same logic as explained above in terms of splitting into X number of instalments etc, allow us to decide from inception how xero will match off the instalment amounts when they come in e.g. instalments are used to pay off oldest invoices first. no other platform has this capability.