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Payment plans for weddings, who does them and how do you work it?

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ICONIC :P is off-line
08 April 2014 09:49
Iconic
Photographer
Iconic
Location
United Kingdom
Lincolnshire
Grimsby

been asked alot of times to do a payment plan so that people can pay for their photos after their weddingi n installments but i dont know how to go about it , the only way i can see if by holding back their photos untill they pay but i dont think  customers would be happy about that, the other soli=ution is to get a legal contract drafted that would give me the power to chase the debt if unpaid and give the photos etc before the payment in a sort of credit agreement anyone got any advice?
pissing purestorm off since 2009


Paul Hodson is off-line
08 April 2014 09:52
mph
Photographer
mph
Location
United Kingdom
Cheshire
Crewe

Don't?
Amateur - happy to do TF with models with potential and enthusiasm. Website: www.mphodson.co.uk


Shawn Barker is off-line
08 April 2014 10:00
FrameworksMedia
Photographer
FrameworksMedia
Location
United Kingdom
Staffordshire
Stoke-on-Trent

Full payment 2 weeks before wedding for agreed package. Additional extras paid in full at time of order - before delivery.

I offer payment plan BEFORE the wedding so that people can pay each month, but as stated above, it needs to be completed and paid in full 2 weeks before the wedding.

If people are struggling to pay in cash, you can accept credit cards quite easily via several options - use paypal at a push.

Never accept payment terms after the event - it's doomed to failure.


Chrissie Red is off-line
08 April 2014 10:09
Chrissie_Red
Model
Chrissie_Red
Location
United Kingdom
Tayside
Perthshire

I don't think I could have slept at night knowing I owed people money after my wedding.

I paid everything before the wedding - When it came to the photographer I paid him £500 deposit when I booked him then - every 3 months until the wedding we put £500 into his bank account.

My venue got 100% of estimated payment 14 days before the wedding so I owed them nothing when I checked out the next morning. My band were paid 80% of their fee months before the big day (we paid the final payment before they played that day). I booked my piper only a few weeks before the wedding and didn't get a chance to meet him before the wedding itself but he was also paid in cash on the day of the wedding before he even lifted his pipes to play.

So perhaps offer people to send money in chunks rather than in 1 lump of money, I found that an easier way to pay for my photographer and venue. I'm sure with the venue I had to pay £500 within 14 days to secure the date and that was back in Feb last year... Then it was compulsory to pay another lump sum 6 months before the wedding. The final £1,500 was paid 14 days before the wedding.

I hear the leading cause of divorce is money related issues - so if people can't afford your services over their planning period then they probably aren't the customers you want. Weddings are expensive but don't be a factor in an early divorce. If people really want you at their wedding then they should be prepared to pay you before you go to the trouble of photographing their big day.

Lets face it they can't get away with paying anybody else after the wedding (other than a credit card) so just don't offer it.


w4pictures is off-line
08 April 2014 10:10
w4pictures
Photographer
w4pictures
Location
United Kingdom
London
Chiswick

The usual payment plan is a hefty deposit when making the booking and the balance paid at least 2 weeks before the wedding.


Matt . is off-line
08 April 2014 11:04
MLP
Photographer

Location
United Kingdom
Nottinghamshire
Nr Nottingham



If they can not afford it before the wedding day; they certainly will not after!!


---------------------------------------------- Images are not taken they are created


08 April 2014 12:51
paule
Photographer


as has been stated all before the event..

a few couples ask to make regular instalments before the day, I advise them to buy premium bonds with it and then cash it in the month before.. they could win the jackpot.. I think it also shows them I'm not just after their cash..

I've never taken payment after a wedding..


Matthew G is off-line
08 April 2014 18:26
MG
Photographer
MG
Location
United Kingdom
Warwickshire


My first wedding I ever did, I did a payment plan. Worked very successfully. They had to give me £50 a month for a year... Completely perfect arrangement.....

....

...

...

Until they got divorced on month three! Ended up taking them to court for it! Won and eventually got paid but never ever again. That was 100 years ago!! True story!


OldMaster is off-line
09 April 2014 02:29
OldMaster
Photographer
OldMaster
Location
United Kingdom
Hertfordshire
Harpenden

Absolutely don't do it...if they haven't paid before the wedding you will be amazed at what they weren't happy with after and will haggle about.. I don't think any other wedding service works like that so don't put wedding photography in an even worse position than it already is! Create an account that will accept card payment...don't be a credit provider for them.

Wedding photography now comes after they have paid for their mates to get drunk, the cake and even the flowers.....some would even offer you the "opportunity" to shoot their wedding tf/cd!!!!

Frankly you are making a rod for your own back..if they can't afford you before they are not going to be able to pay you after, particularly after they have paid for their honeymoon. You will be chasing them through the small claims court which is a tedious procedure and not always guaranteed success.

They pay you in full before the wedding, period! By all means let their credit cards take the strain....at least you have your money? Trust me on this, I was a wedding photographer for 25 years!


Simon Young is off-lineSilver Member
10 April 2014 11:40
Allinthemind
Photographer
Allinthemind
Location
United Kingdom
Gloucestershire


There are laws about offering credit terms too. I remember a thread some time ago on a wedding forum but I don't remember the details. The way around it was to offer chunks, so
1: booking Fee is xxx
2: Guaranteed attendance fee: yyy
3: Photograps on CD: zzz

etc
In the "Information Age", continued ignorance must be a choice motivated initially through inherited beliefs.



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