Hi, you can use a functional field( a compute field in new api) for that. So in the function you can perform all the calculations based on the payments and return a status value, which will be displayed on the user profile.

For Eg:

class custom_res_partner(models.Model):

     _inherits = 'res.partner'

    status = fields.Boolean(compute='_check_status', string="Status")

    def _check_status(self):

        for rec in self:

            if payment_done:            // do your calculations based on payments

                   rec.status =True

            else:

                   rec.status = False