---
title: "Pay Less Now or Pay More Later"
description: "Combine a delayed payment and a satisfaction guarantee, then pull payment forward."
canonical: https://tomsharman.com/bookshelf/100m-money-models/pay-less-now-or-pay-more-later/
updated: 2026-11-03
---

# Pay Less Now or Pay More Later

> Combine a delayed payment and a satisfaction guarantee, then pull payment forward.

Alex Hormozi's framework, from $100M Money Models, pp. 30 to 75.

Framework 5 of 17 from [$100M Money Models](https://tomsharman.com/bookshelf/100m-money-models/index.md) by Alex Hormozi. Category: Offers and pricing.

## The steps

1. **Offer pay later.** Take a card, charge full price later, and let them cancel if conditions are met.
2. **Offer pay now.** Give 20% to 50% off plus bonuses once they accept pay later.
3. **Upsell next.** Have something more or newer ready for after delivery.

## Where it comes from

From chapter: Section II: Attraction Offers, pp. 30–75

## The animation

24 seconds, 4:5, no sound.

- MP4: https://tomsharman-downloads-006143767029.s3.eu-north-1.amazonaws.com/downloads/bookshelf/100m-money-models/pay-less-now-or-pay-more-later.mp4
- MP4, dark: https://tomsharman-downloads-006143767029.s3.eu-north-1.amazonaws.com/downloads/bookshelf/100m-money-models/pay-less-now-or-pay-more-later-dark.mp4
- Still: https://tomsharman-downloads-006143767029.s3.eu-north-1.amazonaws.com/downloads/bookshelf/100m-money-models/pay-less-now-or-pay-more-later.png
- Still, dark: https://tomsharman-downloads-006143767029.s3.eu-north-1.amazonaws.com/downloads/bookshelf/100m-money-models/pay-less-now-or-pay-more-later-dark.png