Stop Guessing Trends. Start Trading With Confluence.
HyperTrend PRO — Non-Repainting SuperTrend Indicator with 5-Factor Confluence Scoring
A SuperTrend engine scores every signal 0-5 stars using MACD, EMA Cloud, ADX, Volume, and HMA filters. Diamond-framed labels scale in size with signal strength. ATR-based stop loss + 3 take-profit targets with trailing stop option. 4 trend cloud styles, 3 candle coloring modes, multi-timeframe dashboard with session detection, WaveTrend pullback detection, market structure labels, and 9 alert conditions with webhook JSON. Non-repainting. Any market on TradingView.
Get Instant Access — Only $47One-time payment • Lifetime TradingView access • 60-day money-back guarantee
Trend Trading Is Harder Than It Should Be — And You Already Know It
You see the trend, you enter the trade, and the moment you do — it reverses. Sound familiar?
- False trend signals waste your capital. Your indicator flashes "BUY" and you enter. Thirty minutes later, price reverses and you're stopped out. It happens again. And again. The problem is not you — it's that your indicator uses a single condition to generate signals. One moving average cross. One SuperTrend flip. One anything. Without multiple independent factors confirming the same direction, every signal is a coin toss dressed up in a green arrow.
- Single-indicator systems have no edge. You're relying on one tool to tell you everything about the market — trend direction, momentum, volume, and timing. That's like diagnosing an engine problem by only checking the oil. A SuperTrend flip alone doesn't tell you if MACD agrees, if the EMA cloud is aligned, if volume supports the move, if ADX confirms trend strength, or if HMA confirms direction. Without confluence, you're trading noise.
- Your indicator repaints and you don't even realize it. That perfectly timed signal on your chart? It wasn't there in real time. It appeared after the bar closed, after price moved, after the indicator rewrote history to look prophetic. You can't trust your backtesting. You can't trust your entries. You're building confidence on a lie — because the signals change every time a new tick arrives. And you won't discover this until you trade it live and wonder why every "sure thing" suddenly fails.
- No risk management built into the signal. Your indicator says "buy" — but where do you put your stop? Where do you take profit? You guess. You use a round number. You set it "somewhere below the last low." There's no ATR-based calculation, no automatic TP levels, no trailing stop option. That arbitrary placement is silently destroying your risk-reward ratio on every single trade, turning winners into losers and losers into disasters.
- Generic arrows tell you nothing about signal quality. A buy arrow appears. Is it a strong signal or a weak one? Is it backed by 5 factors or just 1? You have no way to know because every signal looks identical. You treat them all the same — and wonder why some work beautifully while others fail instantly. Without a strength rating, you're forced to take every signal or skip them randomly, never knowing which ones had real conviction behind them.
- You miss half your trades because you can't watch charts 24/7. The perfect trend entry fires at 3 AM while you're asleep. The TP2 target is hit while you're in a meeting. The stop loss gets triggered while you're at lunch. Without alerts that cover entries, exits, TP hits, SL hits, trend changes, and strong signals — you're either chained to your screen or missing every critical moment. And when you miss the exit, a winning trade turns into a losing one.
Meet HyperTrend PRO
SuperTrend engine + 5-factor confluence scoring + built-in ATR risk management = the complete trend trading system you've been searching for.
"I used to take every SuperTrend flip and hope it was right. Now the indicator checks 5 independent factors before showing me a signal, sizes the diamond label based on how strong the confluence is, and plots my SL + three TP targets automatically. I can see at a glance whether a signal has 2-star or 5-star backing. I haven't taken a low-conviction trend trade in months."
HyperTrend PRO is built on a SuperTrend engine that detects trend direction and reversals. But instead of firing a signal the moment the trend flips, it runs the reversal through 5 independent confluence filters — MACD crossover confirmation, EMA Cloud trend alignment, ADX trend strength, Volume spike detection, and HMA directional confirmation. Each filter that agrees adds one star. The result is a signal that's been validated by up to 5 different market dimensions before it reaches your chart.
Signals appear as distinctive diamond-framed labels — ◆ BUY ◆ and ◆ SELL ◆ — that physically grow larger as the confluence score increases. A 5-star signal is unmistakably bigger than a 2-star signal. The moment a signal fires, 3 take-profit targets are calculated using ATR, an ATR-based stop loss is plotted, and an optional trailing stop tracks the trend. You get 4 trend cloud styles, 3 candle coloring modes, WaveTrend pullback detection, market structure labels, a multi-timeframe dashboard with session detection, and 9 alert conditions with webhook JSON.
How to Trade Trends With HyperTrend PRO
Five steps — from adding the indicator to walking away with alerts managing your trade.
SuperTrend Detects the Trend Direction
Open any chart on TradingView — Forex, Crypto, Stocks, Commodities, Indices — on any timeframe. Add HyperTrend PRO from your Invite-Only Scripts. The SuperTrend engine immediately begins detecting trend direction, plotting a dynamic trend cloud around price. Choose from 4 cloud styles: Smooth (balanced for general use), Scalping (fast reaction for short timeframes), Scalping+ (even faster with tighter parameters), or Swing (wider, smoother for longer-term holds). The cloud turns green in uptrends and red in downtrends.
You'll also see the Trend Tracer — a long-term EMA trend filter plotted on the chart — plus optional market structure labels (HH, HL, LH, LL) and candle coloring that visually paints the trend state directly onto every candle.
5-Factor Confluence Scores Every Signal
When the SuperTrend detects a trend reversal on a confirmed bar close, the indicator doesn't fire a signal immediately. First, it checks 5 independent confluence filters:
- MACD: Has the MACD line crossed the signal line in the direction of the trade? This confirms that short-term momentum agrees with the trend reversal.
- EMA Cloud: Is price positioned correctly relative to the EMA cloud? For buys, price should be above the cloud. For sells, below. This confirms the broader trend environment supports the signal.
- ADX: Is ADX above the threshold, confirming that the market is actually trending? This filters out signals in flat, choppy markets where reversals are most likely to fail.
- Volume: Is the current volume elevated above the moving average? Institutional participation confirms the move has real force behind it — not just retail noise.
- HMA (Hull Moving Average): Does the HMA direction confirm the signal? This fast-reacting average provides an additional momentum check that catches signals where traditional moving averages lag.
Each passing filter adds one star to the signal's strength rating, from 0 to 5. The minimum confluence score is configurable — raise the threshold for ultra-selective, highest-probability signals only.
Read the Diamond Signal — Size = Strength
When a trend reversal passes the confluence gate, the indicator places a distinctive diamond-framed label on the chart: ◆ BUY ◆ or ◆ SELL ◆. Green diamonds for buy signals, red diamonds for sell signals. But here's the difference — the label physically scales in size based on the confluence score:
- 5 stars — Maximum size. All 5 factors confirmed. This is the strongest possible signal. The diamond label is unmistakably large.
- 4 stars — Large label. 4 out of 5 factors confirmed. Very strong confluence with near-maximum conviction.
- 3 stars — Medium label. Solid confluence with 3 factors agreeing. Good signal with clear directional backing.
- 2 stars — Smaller label. Meets the minimum default threshold. The signal has basic confirmation but less conviction.
Critical: Signals only appear on CLOSED bars. The indicator uses barstate.isconfirmed to ensure every diamond is generated after the bar has fully closed. Signals never repaint, never disappear, never move. What you see now is exactly what you would have seen in real time.
ATR Risk Management — SL + 3 TPs + Trailing Stop
The moment a signal fires, HyperTrend PRO automatically calculates and plots your complete trade management levels directly on the chart:
- Stop Loss (SL): Set using ATR — a volatility-adjusted, objective stop that adapts to each market's current conditions. No guessing. No arbitrary pip counts. The ATR multiplier is fully configurable.
- Take Profit 1 (TP1): The first target — take partial profits here and consider moving your stop to breakeven.
- Take Profit 2 (TP2): The second target for swing-style exits. Trail your stop to the TP1 level.
- Take Profit 3 (TP3): The runner target for maximum profit extraction on strong trend moves.
- Trailing Stop (Optional): An ATR-based trailing stop that follows the trend, locking in profits as price moves in your favor. Activate it when you want hands-free trade management.
All levels are displayed on the chart so you can visually see the risk-reward structure at a glance. The dashboard tracks each level as targets are hit during live trading.
Set Alerts & Walk Away
With 9 alert conditions, you can automate your entire trend monitoring workflow and stop watching charts. Set alerts once — the indicator watches every SuperTrend reversal, every confluence check, every TP/SL level for you, 24/7.
The most powerful alerts are the TP Hit and SL Hit conditions. When price reaches your TP1, TP2, TP3, or SL level, the alert fires immediately with the exact details — so you can manage your positions from your phone, from the beach, from anywhere. The Strong Signal alert fires only when confluence exceeds your chosen threshold — perfect for catching only the highest-probability setups.
- Entry alerts: Buy Signal, Sell Signal, Any Signal — know when a confirmed trend reversal fires
- Quality alert: Strong Signal — fires only when the confluence score meets or exceeds your high-conviction threshold
- Exit alerts: Stop Loss Hit, TP1 Hit, TP2 Hit, TP3 Hit — know exactly when to take profits or cut losses
- Trend alert: Trend Change — fires on every SuperTrend direction flip, even without a full signal
All alerts support webhook JSON output for bot integration, Telegram, Discord, and any automation platform. The entry + TP/SL alert combination gives you a complete hands-free trend trading system.
Everything Inside HyperTrend PRO
Eight core systems working together to give you the most complete trend indicator on TradingView.
SuperTrend Engine
The core that powers every signal. A volatility-adaptive SuperTrend algorithm detects trend direction and reversals using ATR-based bands. When the trend flips from bullish to bearish (or vice versa), the engine triggers the confluence evaluation pipeline. The SuperTrend automatically adjusts to each market's volatility — wider bands on Gold and Bitcoin, tighter bands on calm forex pairs. No manual tuning needed.
5-Factor Confluence Scoring
Every trend reversal is validated by 5 independent filters before a signal fires: MACD crossover, EMA Cloud alignment, ADX trend strength, Volume spike detection, and HMA directional confirmation. Each filter independently votes "yes" or "no." The star rating (0-5 stars) shows how many factors agree. Diamond labels scale in size with the score — bigger labels = stronger signals. The configurable minimum threshold ensures only confluence-backed reversals reach your chart.
Non-Repainting Engine
Every BUY and SELL diamond is generated exclusively on confirmed (closed) bars using Pine Script's barstate.isconfirmed gate. Once a signal appears on your chart, it never disappears, moves, or changes — regardless of future price action. What you see in real time is exactly what you would have seen historically. This is architecturally guaranteed, not a setting you can accidentally disable. Honest backtesting. Honest live trading. Period.
4 Trend Cloud Styles
Choose the cloud that matches your trading style: Smooth — balanced for general use across all timeframes. Scalping — faster reaction for M1-M15 intraday trading. Scalping+ — even faster with tighter parameters for aggressive scalpers. Swing — wider, smoother cloud for H4-D1 position trades. Switch between styles with a single dropdown — the entire indicator adapts instantly. Each style is professionally tuned for its intended use case.
ATR Risk Management
Stop loss is calculated using ATR — a volatility-adjusted, objective placement that adapts to each instrument's current conditions. Three take-profit targets are automatically set and plotted on the chart. An optional trailing stop follows the trend using ATR, locking in profits as price moves. All levels are tracked by the dashboard. The ATR multiplier is fully configurable if you want tighter or wider stops.
9 Alert Conditions
Complete lifecycle coverage: Buy Signal, Sell Signal, Any Signal for entries. Strong Signal for high-confluence-only notifications. Stop Loss Hit, TP1 Hit, TP2 Hit, TP3 Hit for exit management. Trend Change for monitoring raw SuperTrend flips. All alerts support webhook JSON output for automated bots, Telegram, Discord, and any connected service. Set once, trade from anywhere.
Multi-Timeframe Dashboard
An on-chart information panel showing: MTF trend direction across multiple timeframes, market state (trending/ranging with ADX strength), signal strength (star rating and confluence breakdown), and session detection (New York, London, Tokyo, Sydney — with active session highlighting). Everything you need to evaluate trend conditions — at a glance, without switching timeframes or windows.
Candle Coloring Modes
Three visual modes that paint trend information directly onto your candles: Trend Gradient — candles transition through color gradients based on trend strength. RSI Gradient — candle colors shift from oversold (cool tones) to overbought (warm tones). Signal Based — candles turn green after a buy signal and red after a sell signal until the next reversal. Choose the mode that best matches your visual workflow, or disable candle coloring entirely.
9 Alert Conditions — Entry to Exit, Covered
From the moment the trend reverses to the moment your TP or SL is hit — you'll never miss a critical event.
Entry Alerts
Quality Alert
Take-Profit & Stop-Loss Alerts
Structural Alert
All 9 alert conditions integrate with TradingView's native alert system and support webhook JSON output for automated trading bots. The entry + TP/SL alert combination gives you a complete hands-free system: get notified when to enter, when to take profits, and when to cut losses. Trade from your phone. Trade from anywhere. HyperTrend PRO monitors the trends for you.
The Multi-Timeframe Dashboard — Your Trend Command Center
Every metric you need to evaluate and manage a trend trade, organized into four clear sections.
MTF Trend Direction
Shows the SuperTrend direction across multiple timeframes simultaneously — from M5 to Monthly. See at a glance whether the 15-minute, 1-hour, 4-hour, and daily trends are all aligned in the same direction. When multiple timeframes agree, the probability of a sustained trend move increases dramatically. No more switching between charts to check higher-timeframe context.
Market State
Displays the current market condition — Trending or Ranging — based on ADX strength. Shows the ADX value and whether the market has enough directional momentum to support trend-following signals. When the market is ranging, you know to be cautious with new entries. When it's trending strongly, you know the environment favors your positions.
Signal Strength
Shows the star rating of the current signal (0-5 stars) and the individual status of each confluence filter — MACD, EMA Cloud, ADX, Volume, and HMA. Each filter displays pass or fail. You can see exactly why a signal earned its rating — which factors confirmed and which didn't. This transparency lets you make informed decisions about which signals deserve your capital.
Session Detection
Identifies the currently active trading session — New York, London, Tokyo, or Sydney — with time-based highlighting. Know instantly whether you're trading in a high-liquidity session (London/NY overlap) or a quiet one (Sydney). Session awareness helps you adjust position sizing, set realistic expectations for volatility, and avoid low-volume traps during off-hours.
Works on Every Market You Trade
Forex, Crypto, Stocks, Commodities, Indices — one indicator adapts to them all. The SuperTrend engine and ATR handle the scaling automatically.
Major and cross pairs — SuperTrend confluence adapted to forex volatility
EUR/USD
GBP/USD
USD/JPY
USD/CHF
NZD/USD
USD/CAD
Digital assets — ATR auto-scales to handle extreme crypto volatility
BTC/USD
ETH/USD
SOL/USD
ADA/USD
LINK/USD
BNB/USDT
Equities — SuperTrend confluence adapted to stock market behavior
NVIDIA
TESLA
GOOGLE
Gold, Silver, and Oil — ATR-scaled SuperTrend for every commodity
GOLD (XAU/USD)
SILVER (XAG/USD)
WTI CRUDE OIL
Major indices — SuperTrend confluence on the world's benchmark markets
S&P 500
Every instrument available on TradingView is supported. Apply the indicator to any chart — Forex, Crypto, Stocks, Indices, Commodities, ETFs — and the SuperTrend engine automatically adapts to that market's volatility and structure. One indicator. Every market. 19 screenshots. Zero exceptions.
Who Is HyperTrend PRO Built For?
If you trade trends — or want to start — this indicator was designed specifically for you.
Trend Traders
This is your indicator. You already know that trend-following works — but you're tired of false reversals, single-condition signals, and guessing TP/SL levels. HyperTrend PRO validates every reversal with 5 independent factors, rates its strength visually with scaled diamonds, and calculates your complete trade structure automatically. The 5-filter gate eliminates the majority of false trend signals before they reach your chart.
Swing Traders
Apply to H4 or Daily charts with the Swing cloud style for multi-day trend trades backed by strong confluence. The multi-timeframe dashboard shows trend alignment across timeframes, and the session detection tells you when high-liquidity windows are active. Set all 9 alerts and walk away — you'll be notified when the trend reverses, when each TP target is hit, and if your stop is triggered.
Scalpers
Switch to the Scalping or Scalping+ cloud style on M1-M15 charts. The faster-reacting SuperTrend parameters are tuned for quick reversals. The HMA confluence filter catches momentum shifts that slower indicators miss. The ATR stop loss auto-adjusts to short-timeframe volatility. Diamond labels tell you instantly whether the scalp has 2-star or 5-star backing — so you know which ones to size up and which to skip.
Alert-Based Traders
All 9 alert conditions support webhook JSON output with structured data — signal direction, star rating, entry price, SL level, TP1/TP2/TP3 levels. Connect directly to trading bots via TradingView webhooks, or pipe alerts to Telegram, Discord, or any automation platform. The Strong Signal alert is perfect for bot-only execution on highest-confluence entries.
What You Get With Your Purchase
Everything you need to start trading confluence-backed trends today.
- HyperTrend PRO Indicator for TradingView — Full Pine Script v6 indicator with SuperTrend engine, 5-factor confluence scoring, and multi-timeframe dashboard
- SuperTrend Engine — Volatility-adaptive trend detection with ATR-based bands that auto-scale to any market
- 5-Factor Confluence Scoring — MACD, EMA Cloud, ADX, Volume, and HMA independently validate every trend reversal before a signal fires
- Diamond-Framed Signals That Scale With Strength — Labels physically grow larger as confluence increases. Instant visual quality assessment
- 4 Trend Cloud Styles — Smooth, Scalping, Scalping+, and Swing — each professionally tuned for its intended timeframe and trading approach
- 3 Candle Coloring Modes — Trend Gradient, RSI Gradient, and Signal Based — paint trend state directly onto your candles
- ATR Risk Management with Trailing Stop — Auto-calculated stop loss + 3 take-profit targets + optional trailing stop for hands-free management
- Multi-Timeframe Dashboard — MTF trend direction, market state, signal strength, and session detection — all on-chart
- WaveTrend Pullback Detection — Identifies pullback opportunities within the trend for add-on entries
- Contrarian RSI Reversal Detection — Catches potential exhaustion reversals when RSI hits extremes
- Market Structure Labels — HH, HL, LH, LL labels showing the market's structural building blocks
- Trend Tracer — Long-term EMA trend filter plotted on chart for higher-timeframe context
- 9 Alert Conditions with Webhook JSON — Buy, Sell, Any, Strong Signal, SL Hit, TP1 Hit, TP2 Hit, TP3 Hit, Trend Change
- 100% Non-Repainting Signals — Confirmed bar close only via
barstate.isconfirmed— diamonds never disappear or change - Lifetime Access + Free Updates — Pay once, use forever. No subscriptions. All future improvements included
- Email Support — Get help with setup, configuration, cloud style selection, or any questions you have
Get Started Today
Join traders who are catching real trend reversals backed by 5-factor confluence — on every market, every timeframe.
HyperTrend PRO
SAVE 68% — LAUNCH PRICE $147 $47One-time payment • Lifetime access • No recurring fees
- TradingView Indicator (Invite-Only Access)
- SuperTrend Engine with 4 Cloud Styles
- 5-Factor Confluence Scoring (MACD, EMA Cloud, ADX, Volume, HMA)
- Diamond-Framed Signals Scaled by Strength (0-5 Stars)
- ATR-Based Stop Loss + 3 Take-Profit Targets
- Optional Trailing Stop
- 3 Candle Coloring Modes
- Multi-Timeframe Dashboard with Session Detection
- WaveTrend Pullback + RSI Reversal Detection
- Market Structure Labels (HH, HL, LH, LL)
- 9 Alert Conditions + Webhook JSON
- Works on Any Market & Timeframe
- Lifetime Updates Included
- Email Support
Choose your preferred payment method:
256-bit SSL encryption • Instant delivery to TradingView
60-Day Money-Back Guarantee
Try HyperTrend PRO completely risk-free for a full 60 days. If you're not satisfied with the indicator for ANY reason — the SuperTrend engine, the confluence scoring, the diamond signals, the cloud styles, the candle coloring, the TP/SL system, the alerts, the dashboard, anything at all — simply email us and we'll refund your purchase in full. No questions asked. No hassles. No forms to fill out. Your satisfaction is 100% guaranteed. You have absolutely nothing to lose and a complete trend trading system to gain.
Frequently Asked Questions
What is HyperTrend PRO?
HyperTrend PRO is a professional trend-following indicator for TradingView built on a SuperTrend engine with 5-factor confluence scoring. Instead of firing a signal every time the trend flips, it validates each reversal against 5 independent filters — MACD, EMA Cloud, ADX, Volume, and HMA. Signals appear as diamond-framed labels that grow larger with higher confluence scores. The indicator includes ATR-based stop loss, 3 take-profit targets, a trailing stop option, 4 trend cloud styles, 3 candle coloring modes, a multi-timeframe dashboard with session detection, WaveTrend pullback detection, market structure labels, and 9 alert conditions with webhook JSON output. It's a complete trend trading system in a single indicator.
How does the 5-factor confluence scoring work?
Every time the SuperTrend detects a trend reversal, it checks 5 independent filters: MACD crossover confirmation, EMA Cloud trend alignment, ADX trend strength, Volume spike detection, and HMA (Hull Moving Average) directional confirmation. Each filter that agrees with the signal direction adds one star. A 5-star signal means all 5 filters confirmed — maximum conviction. The diamond label physically grows larger as the score increases, so you can see signal quality at a glance without reading numbers. The minimum score threshold is configurable — raise it to 4 or 5 for ultra-selective, highest-probability trend entries.
Does HyperTrend PRO repaint signals?
Absolutely not. HyperTrend PRO generates BUY and SELL diamond signals exclusively on confirmed (closed) bars using Pine Script's barstate.isconfirmed check. Once a diamond appears on your chart, it will never disappear, move, or change — regardless of future price action. What you see in real time is exactly what you would have seen historically. The non-repainting behavior is architecturally baked into the indicator — it's not a setting, it's a guarantee.
What markets and timeframes does it work on?
Every market and every timeframe available on TradingView. The indicator works on Forex (EURUSD, GBPUSD, USDJPY, USDCHF, NZDUSD, USDCAD, etc.), Crypto (BTCUSD, ETHUSD, SOLUSD, ADAUSD, LINKUSD, BNBUSDT, etc.), Stocks (NVDA, TSLA, GOOG, etc.), Indices (S&P 500, etc.), and Commodities (Gold, Silver, WTI Oil, etc.). The SuperTrend engine and ATR-based calculations automatically adapt to each instrument's volatility. No manual adjustment needed — the indicator auto-scales to whatever market you're viewing. The 4 cloud styles let you optimize for your preferred timeframe and trading approach.
What timeframes work best?
All timeframes work. The 4 cloud styles are specifically designed to optimize performance across different timeframes: Smooth — balanced for M30 to H4. Scalping — optimized for M5 to M15. Scalping+ — aggressive parameters for M1 to M5. Swing — wider cloud for H4 to Daily. Select the cloud style that matches your trading timeframe and the SuperTrend parameters automatically adjust. You can also fine-tune every parameter manually if you prefer custom settings.
What do I need to use HyperTrend PRO?
A TradingView account (free or paid). HyperTrend PRO is an invite-only Pine Script v6 indicator that runs directly in your TradingView browser or desktop app. No downloads. No MetaTrader. No third-party software. It works on desktop, tablet, and mobile — anywhere you can access TradingView. The indicator appears in your chart's Invite-Only Scripts section after access is granted.
How do I get access after purchase?
HyperTrend PRO is an invite-only indicator on TradingView. After your purchase, you'll receive an email asking for your TradingView username. Once provided, we'll add you to the indicator's access list — typically within a few hours. You'll then find the indicator in your TradingView "Invite-Only Scripts" section, ready to apply to any chart. No downloads, no installations, no file copying. It works directly in your TradingView browser or app.
Is there a refund policy?
We offer a full 60-day money-back guarantee. If you're not satisfied with HyperTrend PRO for any reason — the SuperTrend engine, the confluence scoring, the diamond signals, the cloud styles, the candle coloring, the TP/SL system, the alerts, the dashboard, anything at all — simply email us within 60 days of purchase and we'll refund your payment in full. No questions asked. No forms. No hassles. We believe in the quality of this indicator and want you to try it completely risk-free. Your purchase is 100% protected.
Ready to Trade Trends With Confluence?
Stop taking every SuperTrend flip and hoping it works. Stop guessing where to place your TP and SL. Stop missing entries because you can't watch charts 24/7. Let HyperTrend PRO validate every trend reversal with 5 independent factors, rate its strength with scaled diamond labels, calculate your risk-reward levels automatically, and alert you at every critical moment — from entry to exit. Five confluence factors. Four cloud styles. Three candle modes. One indicator. Every market.
60-day money-back guarantee • Lifetime TradingView access • One-time payment