> ## Documentation Index
> Fetch the complete documentation index at: https://docs.natural.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> When building application code, use `@naturalpay/sdk` for TypeScript or `naturalpay` for Python.
> When operating Natural directly for a user, use the payments MCP at `https://mcp.natural.com`.
> When searching Natural documentation, use the docs MCP at `https://docs.natural.com/mcp`.
> Use the Natural CLI for terminal and CI automation.
> Use REST only for unsupported languages or when the user explicitly requests raw HTTP.
> Start integration development and testing in the sandbox. Do not use production unless the user explicitly requests it.
> For sandbox requests that require `customerPartyId`, list customers first. Reuse only the intended fixture; otherwise create a customer.
> REST and SDK amounts use integer minor units. Payments MCP amounts use decimal strings with a required currency code.

# Overview

> Charge a payer's card on a schedule they agreed to

<Note>
  Plans are in early access and subject to change. To request Plans access, contact [hi@natural.com](mailto:hi@natural.com).
</Note>

A plan is a subscription, or 2 to 4 installments, that a payer agrees to once in checkout. Natural keeps the card and the agreement, and you charge each later payment when it falls due. Installment plans aren't available yet.

## Lifecycle

1. Create a plan with `POST /plans`. It starts `pending` and returns a `checkoutUrl`.
2. The payer agrees to the terms and pays payment 1 in checkout. The plan becomes `active`, and `mandateId` names the card agreement it charges.
3. Charge each later payment with `POST /plans/{planId}/payments`. A payment can be charged from 12:00 UTC on its due date until 30 days later, or until the next payment opens if that's sooner.
4. A plan becomes `canceled` when its agreement ends, or when checkout ends without payment 1. An installment plan becomes `finished` after its last payment.