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A photography payment plan is created between a professional photographer and a client who uses the photographer's images and/or services. Some photographers prefer full payment upfront, but offering payment plans for costly services can make them more affordable. Payment plans can include interest, benefiting both the customer and the photographer. The contract should include names, services, total balance, repayment plan details (down payment, interest rate, start date), payment instructions, late payment stipulations, and signatures. Visit eforms.com for legal documents.