Intermission — Buy Now, Pay Later Tracking

Intermission is Coincert’s built-in tracker for Buy Now, Pay Later (BNPL) plans. It lets you manage all of your installment-based purchases in one place, see upcoming payment dates, record payments, and stay on top of deferred-interest deadlines before they cost you.

Intermission plans appear in the Rhythm & Payments screen alongside your recurring bills.

Table of Contents

1. Supported Providers
2. Adding an Intermission Plan
3. Installment Schedule
4. Recording Payments
5. Matching Installments to Existing Transactions
6. Undoing a Payment
7. Setbreak Alerts — Deferred Interest Warnings
8. Default Account Assignment
9. Editing a Plan
10. Deleting a Plan
11. Progress Tracking
12. Dashboard Summary
13. Platform Differences

Supported Providers

Intermission supports the following BNPL providers out of the box:

Select “Other” if your provider is not listed. You can customize the number of payments and dates regardless of which provider you choose.

Adding an Intermission Plan

Tap the + button in the Intermission dashboard. You have three ways to add a plan:

Paste Email

1. Choose Paste Email from the menu.
2. Copy the full text of your BNPL confirmation email (from Affirm, Klarna, Afterpay, or PayPal).
3. Paste it into the text area. Coincert auto-parses the email after a short delay, or you can tap Parse Email manually.
4. Review the extracted details — the app shows a confidence percentage for the parsed result.
5. Adjust any fields if needed, then tap Save.

Manual Entry

1. Choose Enter Manually from the menu.
2. Fill in the following fields:
   • Provider — Select from the list of supported providers.
   • Merchant — The store or merchant name (e.g., “Amazon”).
   • Total Amount — The full purchase price.
   • Payments — The number of installments (2 to 24). Defaults to 4 for most providers, 6 for PayPal Credit.
   • First Payment Date — The date your first installment is due.
3. Tap Save.

Import PDF Statement iPhone iPad

Import multiple Intermission plans at once from a provider PDF statement. Coincert auto-detects the statement type and extracts loan details directly from the document — no manual data entry required.

Supported statement types:

How it works:

1. Choose Import PDF Statement from the menu.
2. Tap Choose PDF and select a statement file from your device.
3. Coincert reads the first two pages of the PDF to auto-detect whether it is an Affirm or PayPal Credit statement. No manual provider selection is needed.
4. The parser extracts all loans or promotional purchases from the statement. Each entry shows the merchant name, total amount, status (Active, Expiring, Closed, or Refunded), loan date, APR, and number of payments.
5. Loans that have already been imported are flagged as duplicates and cannot be selected again.
6. Select the loans you want to import (active and expiring loans are pre-selected) and tap Import.
7. Coincert creates a plan for each selected loan with the full installment schedule pre-filled. Past-due installments are automatically marked as paid based on balance and elapsed time.
8. After import, if any past-due installments match transactions already in your accounts, the historical payment matching sheet appears (see Matching Installments to Existing Transactions).

Data extracted per provider:

• Affirm — Loan ID, merchant name, origination date, total purchase amount, APR (0% for Pay-in-4, or the stated rate for longer terms), number of payments (snapped to standard Affirm terms: 3, 4, 6, 12, 18, 24, 36, or 48), closing balance, next payment due date, and loan status. Payment interval is biweekly for 0% short-term plans and monthly for interest-bearing plans.
• PayPal Credit — Each “No Interest If Paid In Full” promotional purchase is extracted as a separate plan. The parser pulls the posting date, promotional expiration date, deferred APR, and remaining balance from the Deferred Interest Calculation section, then matches each promotion to a merchant name from the transaction list. Payment interval is always monthly, and the number of payments is calculated from the months remaining until the promotional period expires. Setbreak alerts are automatically configured with the extracted expiration date and deferred APR.

Interest Rate (APR)

For standard Pay-in-4 plans at 0% interest, leave the APR field at zero. For longer-term BNPL loans that carry interest (for example, an Affirm 12-month plan), enter the APR in the Interest Rate section.

Promotional Period

Some BNPL plans offer a promotional 0% interest period where interest is deferred. If your plan has one:

1. Enable the Has Promotional 0% Period toggle.
2. Set the Promo Expires date — the date by which the balance must be paid in full.
3. Enter the Deferred APR — the interest rate that will be charged retroactively from the original purchase date if any balance remains after the promotional period ends.

Historical Payment Matching

When you save a new plan, Coincert checks whether any past-due installments match transactions already in your accounts. If matches are found, you can link them immediately so those installments are marked as paid without creating duplicate transactions.

Bank Sync and Subscriptions

Intermission works fully with manual accounts and manually recorded payments. If you connect a bank account via OAuth or FinanceKit to automatically sync transactions, ongoing installment matching benefits from having up-to-date transaction data. See Settings for subscription details.

Installment Schedule

After adding a plan, tap it to view the full installment schedule. The schedule view shows:

• Loan Details — Provider, merchant, total amount, purchase date, default account, and notes.
• Progress — A progress bar showing how many payments are complete and the remaining balance.
• Payment Schedule — A list of every installment with:
  • Payment number (e.g., “Payment 1”, “Payment 2”)
  • Due date
  • Amount
  • Status: paid (with the date paid), due today, due in N days, or overdue

Installments are displayed in order by payment number. Paid installments show a green checkmark and the payment date. Overdue unpaid installments are highlighted in red.

Recording Payments

Tap any unpaid installment in the schedule to record it. What happens next depends on a few conditions:

1. No accounts exist — You are prompted to add an account first.
2. No default account set on this plan — An account picker appears so you can choose which account the payment comes from. This also sets the default account for future payments on this plan.
3. A matching transaction is found — If the installment’s due date is within the next 7 days and Coincert finds a transaction in your account that matches the amount and merchant, you are shown a matching sheet (see next section).
4. No match found — A new transaction is created automatically in the default account, and the installment is marked as paid.

You can also mark an installment as paid without creating a transaction by toggling its status directly (useful if you track the transaction separately).

Matching Installments to Existing Transactions

When you tap an unpaid installment and Coincert detects a possible matching transaction in your accounts, the Match Payment sheet appears. It shows:

• The existing transaction (payee, amount, date, account).
• The Intermission installment (payment number, amount, due date).

You have two choices:

• Link to This Transaction — Associates the existing transaction with this installment. No new transaction is created, and the installment is marked as paid. This avoids duplicates.
• Create New Transaction — Ignores the match and creates a separate transaction for this installment.

Undoing a Payment

If you mark an installment as paid by mistake:

1. Tap the paid installment (the one with the green checkmark).
2. If the installment has a linked transaction (one that was created when you recorded the payment), a confirmation dialog appears: “Undo Payment?” This warns that the linked transaction will be deleted and the account balance change will be reversed.
3. Confirm to undo. The installment returns to unpaid status.

If the installment was marked paid without a linked transaction (e.g., it was matched to an existing transaction), tapping it simply toggles it back to unpaid without deleting any transaction.

Setbreak Alerts — Deferred Interest Warnings

A Setbreak alert warns you when a promotional 0% interest period on an Intermission plan is approaching its expiration date. If the remaining balance is not paid in full by the expiration date, the provider charges interest retroactively from the original purchase date — often at a high APR (commonly 25-30%).

Setbreak alerts are generated automatically for any plan that has a promotional period configured. The alert includes:

• The merchant name and provider.
• The remaining balance that must be paid.
• The expiration date and how many days remain.
• The estimated retroactive interest that would be charged if the balance is not paid off in time.

To avoid deferred interest charges, pay off the remaining balance before the Setbreak deadline.

Setting Up a Setbreak

Setbreak information is configured when you add or edit a plan:

1. Enable Has Promotional 0% Period in the plan form.
2. Set the Promo Expires date.
3. Enter the Deferred APR.

Coincert calculates the estimated deferred interest using the formula: remaining balance x (deferred APR / 100) x (days since purchase / 365).

Default Account Assignment

Each Intermission plan can have a default account — the account from which BNPL payments are drawn. Setting a default account:

• Enables one-tap payment recording (no account picker each time).
• Is required before you can record payments as transactions.

To set or change the default account:

1. Open the plan’s schedule view.
2. Tap Edit in the toolbar.
3. Select an account from the Default Account picker.
4. Tap Save.

Alternatively, the first time you record a payment on a plan without a default account, an account picker appears and your selection becomes the default.

Editing a Plan

Tap Edit in the toolbar on any plan’s schedule view. You can change:

• Merchant name
• Provider
• First Payment Date — changing this recalculates all installment due dates, preserving the provider’s payment interval
• APR
• Default Account
• Notes

You cannot change the total amount or number of payments after creation. If you need to adjust those, delete the plan and re-enter it.

Deleting a Plan

On the Intermission dashboard:

• iOS/iPadOS: Swipe left on a plan in the list and tap Delete.
• macOS: Select a plan and press the Delete key, or right-click for options.

Deleting a plan also deletes all of its installments. Transactions that were created from recording payments are not deleted — they remain in your account history.

Progress Tracking

Each Intermission plan tracks your progress toward paying it off:

• Paid / Total: Displayed as “X of Y payments” (e.g., “2 of 4 payments”) with a progress bar.
• Remaining Balance: The sum of all unpaid installment amounts.
• Progress Percentage: A visual progress bar that fills as installments are paid. The bar turns green when the plan is fully paid off.

In the plan list, each row shows the merchant name, provider badge, remaining balance, payment progress (e.g., “2/4 paid”), and the next due date. Overdue installments are flagged in red.

Dashboard Summary

The Intermission dashboard shows a summary section at the top (when you have active plans) with:

• Total Outstanding — The combined remaining balance across all active Intermission plans.
• Next Payment — The amount and relative date of your next upcoming installment across all plans (e.g., “in 3 days”).
• This Month — The total amount due this month across all plans.
• Remaining Payments — The total number of unpaid installments across all plans.

Below the summary, plans are organized into two sections:

• Active Loans — Plans that still have unpaid installments.
• Completed — Plans where all installments have been paid.

Platform Differences

iOS and iPadOS iPhone iPad

• The dashboard uses a standard navigation list with tap-to-navigate to plan details.
• Swipe-to-delete is available on plan rows.
• PDF statement import is available.
• Pull-to-refresh is supported.
• The numeric keyboard appears for amount fields.

macOS Mac

• The dashboard uses a split view (HSplitView): the plan list on the left, and the selected plan’s schedule on the right.
• Select a plan in the list to view its details in the right pane.
• Add/edit sheets appear in a fixed-size window.
• PDF statement import is available via the menu.