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Overview

Large invoices can be split into multiple payment installments. This guide shows you how to:
  • Use the splitPayments() method
  • Configure multiple installments with different due dates
  • Set custom interval periods between payments
  • Understand how amounts are automatically divided and rounded

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Basic Split Payments Example

Here’s a complete example with 3 monthly installments: 
use PhpFacturae\Invoice;
use PhpFacturae\Party;
use PhpFacturae\Enums\PaymentMethod;

$invoice = Invoice::create('FAC-008')
    ->series('F')
    ->date('2024-10-01')
    ->seller(
        Party::company('B76123456', 'Atlantic Systems S.L.')
            ->tradeName('Atsys')
            ->address(
                'C/ Triana, 52',
                '35002',
                'Las Palmas de Gran Canaria',
                'Las Palmas',
                'ESP'
            )
            ->email('[email protected]')
            ->phone('928000000')
            ->website('https://atsys.es')
    )
    ->buyer(
        Party::company('A28000001', 'Cliente Demo S.L.')
            ->address(
                'C/ Gran Via, 1',
                '28013',
                'Madrid',
                'Madrid',
                'ESP'
            )
            ->email('[email protected]')
    )
    ->line('Desarrollo aplicacion movil', price: 6000.00, igic: 7)
    ->splitPayments(
        method: PaymentMethod::Transfer,
        installments: 3,
        firstDueDate: '2024-11-01',
        intervalDays: 30,
        iban: 'ES91 2100 0418 4502 0005 1332'
    )
    ->export('factura-pagos-fraccionados.xsig');
Total invoice: €6,000 + 7% IGIC = €6,420Split into 3 payments:
  • Payment 1 (Nov 1): €2,140
  • Payment 2 (Dec 1): €2,140
  • Payment 3 (Jan 1): €2,140

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How Amount Division Works

1

Calculate Total

The library first calculates the invoice total including all taxes:
Base: €6,000.00
IGIC (7%): €420.00
───────────────────
Total: €6,420.00
2

Divide Equally

The total is divided by the number of installments:
€6,420.00 ÷ 3 = €2,140.00 per installment
3

Handle Rounding

If division results in decimals, the last installment receives the remainder:
Total: €1,000.00 ÷ 3
Payment 1: €333.33
Payment 2: €333.33
Payment 3: €333.34  ← Gets the extra cent
4

Generate Due Dates

Each installment gets a due date based on the interval:
First due date: 2024-11-01
Interval: 30 days

Payment 1: 2024-11-01
Payment 2: 2024-12-01 (30 days later)
Payment 3: 2025-01-01 (60 days later)

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Quarterly Payments

For larger projects with quarterly payments: 
Invoice::create('FAC-QUARTERLY-001')
    ->date('2024-01-15')
    ->seller(
        Party::company('A00000000', 'Consulting Pro S.L.')
            ->address('C/ Serrano, 45', '28001', 'Madrid', 'Madrid')
            ->email('[email protected]')
    )
    ->buyer(
        Party::company('B28000001', 'Enterprise Corp S.A.')
            ->address('Paseo de la Castellana, 100', '28046', 'Madrid', 'Madrid')
            ->email('[email protected]')
    )
    ->line('Consultoria estrategica anual', price: 60000.00, vat: 21)
    ->splitPayments(
        method: PaymentMethod::Transfer,
        installments: 4,
        firstDueDate: '2024-03-31',
        intervalDays: 90,  // Quarterly (approx 3 months)
        iban: 'ES91 2100 0418 4502 0005 1332'
    )
    ->legalLiteral('Proyecto anual con pagos trimestrales.')
    ->export('factura-trimestral.xsig');
Total: €60,000 + 21% VAT = €72,6004 quarterly payments:
  • Q1 (Mar 31, 2024): €18,150
  • Q2 (Jun 29, 2024): €18,150
  • Q3 (Sep 27, 2024): €18,150
  • Q4 (Dec 26, 2024): €18,150

​
Biweekly Payments

For short-term projects with biweekly payments: 
Invoice::create('FAC-BIWEEKLY-001')
    ->date('2024-11-01')
    ->seller(
        Party::person('12345678Z', 'Maria', 'Lopez')
            ->address('C/ Goya, 10', '28001', 'Madrid', 'Madrid')
            ->email('[email protected]')
    )
    ->buyer(
        Party::company('A87654321', 'Startup SaaS S.L.')
            ->address('C/ Fuencarral, 50', '28004', 'Madrid', 'Madrid')
    )
    ->line('Desarrollo frontend (160 horas)', price: 85.00, quantity: 160, vat: 21, irpf: 15)
    ->splitPayments(
        method: PaymentMethod::Transfer,
        installments: 4,
        firstDueDate: '2024-11-15',
        intervalDays: 15,  // Biweekly
        iban: 'ES91 2100 0418 4502 0005 1332'
    )
    ->export('factura-quincenal.xsig');
Calculation with IRPF:
  • Base: €13,600 (160h × €85)
  • VAT 21%: +€2,856
  • IRPF 15%: -€2,040
  • Total: €14,416
  • Per installment: €3,604 (every 15 days)

​
Weekly Payments

For very short-term contracts: 
Invoice::create('FAC-WEEKLY-001')
    ->date('2024-12-01')
    ->seller(
        Party::person('87654321A', 'Carlos', 'Rodriguez')
            ->address('C/ Alcala, 200', '28028', 'Madrid', 'Madrid')
            ->email('[email protected]')
    )
    ->buyer(
        Party::company('B11223344', 'Events Agency S.L.')
            ->address('C/ Velazquez, 30', '28001', 'Madrid', 'Madrid')
    )
    ->line('Servicios audiovisuales evento (4 semanas)', price: 3200.00, vat: 21, irpf: 15)
    ->splitPayments(
        method: PaymentMethod::Transfer,
        installments: 4,
        firstDueDate: '2024-12-08',
        intervalDays: 7,  // Weekly
        iban: 'ES91 2100 0418 4502 0005 1332'
    )
    ->legalLiteral('Pagos semanales por servicios profesionales.')
    ->export('factura-semanal.xsig');

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Different Payment Methods

Split payments work with any payment method: 
->splitPayments(
    method: PaymentMethod::Transfer,
    installments: 3,
    firstDueDate: '2024-11-01',
    intervalDays: 30,
    iban: 'ES91 2100 0418 4502 0005 1332'
)
IBAN requirement: Transfer and DirectDebit payment methods require an IBAN. Other methods like PromissoryNote, Card, or Cash don’t need it.
// ✅ CORRECT
->splitPayments(
    method: PaymentMethod::Card,
    installments: 3,
    firstDueDate: '2024-11-01',
    intervalDays: 30
)

// ❌ WRONG - Transfer needs IBAN
->splitPayments(
    method: PaymentMethod::Transfer,
    installments: 3,
    firstDueDate: '2024-11-01',
    intervalDays: 30
)

​
Mixed Interval Example

For complex payment schedules (30-60-90 days), use manual payment configuration: 
use PhpFacturae\Entities\Payment;
use PhpFacturae\Enums\PaymentMethod;

Invoice::create('FAC-CUSTOM-SCHEDULE-001')
    ->date('2024-12-01')
    ->seller(
        Party::company('A00000000', 'Premium Services S.L.')
            ->address('C/ Mayor, 50', '28013', 'Madrid', 'Madrid')
    )
    ->buyer(
        Party::company('B28000001', 'Big Client S.A.')
            ->address('Av. Europa, 10', '28108', 'Alcobendas', 'Madrid')
    )
    ->line('Proyecto premium', price: 30000.00, vat: 21)
    ->payment(
        new Payment(
            method: PaymentMethod::Transfer,
            dueDate: new \DateTimeImmutable('2024-12-30'),  // 30 days
            amount: 12100.00,  // 33.33%
            iban: 'ES91 2100 0418 4502 0005 1332',
            installmentIndex: 0,
            totalInstallments: 3
        )
    )
    ->payment(
        new Payment(
            method: PaymentMethod::Transfer,
            dueDate: new \DateTimeImmutable('2025-01-30'),  // 60 days
            amount: 12100.00,  // 33.33%
            iban: 'ES91 2100 0418 4502 0005 1332',
            installmentIndex: 1,
            totalInstallments: 3
        )
    )
    ->payment(
        new Payment(
            method: PaymentMethod::Transfer,
            dueDate: new \DateTimeImmutable('2025-03-01'),  // 90 days
            amount: 12100.00,  // 33.34% (remainder)
            iban: 'ES91 2100 0418 4502 0005 1332',
            installmentIndex: 2,
            totalInstallments: 3
        )
    )
    ->export('factura-custom-schedule.xsig');
For standard intervals, use splitPayments(). For custom schedules, create Payment objects manually.

​
Large Projects (12 Months)

Annual contracts with monthly payments: 
Invoice::create('FAC-ANNUAL-001')
    ->date('2024-01-01')
    ->billingPeriod(from: '2024-01-01', to: '2024-12-31')
    ->seller(
        Party::company('B76123456', 'SaaS Platform S.L.')
            ->address('C/ Castellana, 200', '28046', 'Madrid', 'Madrid')
    )
    ->buyer(
        Party::company('A28000001', 'Enterprise Client S.A.')
            ->address('C/ Velazquez, 100', '28006', 'Madrid', 'Madrid')
    )
    ->line('Licencia Enterprise anual (100 usuarios)', price: 24000.00, vat: 21)
    ->line('Soporte premium 24/7', price: 12000.00, vat: 21)
    ->splitPayments(
        method: PaymentMethod::DirectDebit,
        installments: 12,
        firstDueDate: '2024-01-31',
        intervalDays: 30,  // Monthly
        iban: 'ES80 0049 1500 0512 3456 7890'
    )
    ->legalLiteral(
        'Contrato anual 2024 con domiciliacion bancaria mensual. '
        . 'Renovacion automatica salvo cancelacion.'
    )
    ->export('factura-anual-mensual.xsig');
Total: €36,000 + 21% VAT = €43,56012 monthly payments: €3,630/month via direct debit

​
Split Payments with Discount

Apply discounts before splitting: 
Invoice::create('FAC-DISCOUNT-SPLIT-001')
    ->date('2024-12-01')
    ->seller(
        Party::company('A00000000', 'Software House S.L.')
            ->address('C/ Goya, 100', '28009', 'Madrid', 'Madrid')
    )
    ->buyer(
        Party::company('B28000001', 'Startup Tech S.L.')
            ->address('C/ Serrano, 50', '28001', 'Madrid', 'Madrid')
    )
    ->line(
        'Desarrollo software',
        price: 10000.00,
        quantity: 1,
        vat: 21,
        discount: 10  // 10% discount
    )
    ->splitPayments(
        method: PaymentMethod::Transfer,
        installments: 3,
        firstDueDate: '2025-01-01',
        intervalDays: 30,
        iban: 'ES91 2100 0418 4502 0005 1332'
    )
    ->legalLiteral('Descuento 10% por pronto pago aplicado.')
    ->export('factura-descuento-fraccionada.xsig');
Calculation:
  • Original: €10,000
  • Discount 10%: -€1,000
  • Base after discount: €9,000
  • VAT 21%: +€1,890
  • Total: €10,890
  • Per installment (3): €3,630

​
Public Administration Split Payments

Combine split payments with DIR3 codes: 
Invoice::create('FAC-FACE-SPLIT-001')
    ->series('F')
    ->date('2024-12-01')
    ->seller(
        Party::company('A11223344', 'IT Solutions S.L.')
            ->address('C/ Alcala, 100', '28009', 'Madrid', 'Madrid')
    )
    ->buyer(
        Party::company('S2800001A', 'Ministerio de Educacion')
            ->address('C/ Alcala, 36', '28014', 'Madrid', 'Madrid')
            ->centre('01', 'EA0001234')
            ->centre('02', 'EA0001234')
            ->centre('03', 'EA0001234')
    )
    ->line('Implementacion plataforma educativa', price: 50000.00, vat: 21)
    ->splitPayments(
        method: PaymentMethod::Transfer,
        installments: 4,
        firstDueDate: '2025-03-01',  // 90 days first payment
        intervalDays: 90,  // Quarterly
        iban: 'ES91 2100 0418 4502 0005 1332'
    )
    ->legalLiteral(
        'Contrato NUM-2024-XXX con Administracion Publica. '
        . 'Pagos trimestrales. Factura FACe Ley 25/2013.'
    )
    ->export('factura-face-fraccionada.xsig');

​
Validation

Minimum installments: At least 2 installments required.
// ❌ WRONG - Use single payment method instead
->splitPayments(
    method: PaymentMethod::Transfer,
    installments: 1,  // Only 1 installment
    firstDueDate: '2024-12-01',
    intervalDays: 30,
    iban: 'ES91 2100 0418 4502 0005 1332'
)

// ✅ CORRECT - Use transferPayment() for single payment
->transferPayment(
    iban: 'ES91 2100 0418 4502 0005 1332',
    dueDate: '2024-12-01'
)

​
Next Steps

Payment Methods

Explore all 19 available payment methods

Basic Invoice

Learn the fundamentals of invoice creation

Public Administration

Combine split payments with FACe

Payment Entity

Payment class API reference

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