I charge full payment but analyze: should I offer payment plans? Map the payment psychology: $2,000 upfront vs. $500/month for 4 months. Calculate: if I offered payment plans, would more people say yes? Show me the payment plan math: total revenue, cash flow impact, payment plan terms. Give me the payment plan structure: these terms maximize conversions and minimize risk. Include: whether payment plans would unlock buyers who can't afford lump sum, how to structure payment plans to reduce risk, and why requiring full payment might be losing sales.