> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bizzyco.ai/llms.txt
> Use this file to discover all available pages before exploring further.
# Payment methods
> View, add, set as default, and remove the payment methods saved on your Bizzy account
New
Manage the payment methods saved on your account directly inside Bizzy — no need
to leave Bizzy for routine changes.
## Prerequisites
* You must be an **Owner** or **Admin** to view or change payment methods
* An active billing customer record (created automatically the first time you
save a payment method or upgrade a plan)
## Open the page
1. Navigate to **Settings > Account > Billing**
2. Click **Manage payment methods** in the page header
You land at `/settings/account/billing/payment-methods`.
## What you can do
| Action | What happens |
| ---------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Add payment method** | Opens an in-app dialog with a secure form powered by Stripe Checkout. Save a card or US bank account (ACH); Apple Pay, Google Pay, and Link also appear automatically when supported by your browser or device. After your bank approves it (including any 3-D Secure step), it appears in the list. |
| **Set as default** | Marks the payment method as the one used for subscription renewal, credit top-ups, and consumable overage charges. The current default's row shows a **Default** badge. |
| **Remove** | Detaches the payment method from your account immediately. Confirm in the prompt before it's removed. You can't remove your last payment method — add a new one first if you want to swap. |
The first payment method you add is automatically promoted to default.
### After you add a payment method
Once you complete the form and click **Save payment method**, one of three
outcomes appears at the top of the page:
| Outcome | What you see |
| --------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Immediate success** | The payment method appears in your list and is set as default if it's your first one. |
| **Save processing** | A notice reading "Your payment is processing. We'll email you when it completes." This can occur for bank-debit methods that settle asynchronously. |
| **Error** | A notice reading "We couldn't save your payment method. Please try again." Nothing was saved; try again or use a different payment method. |
## Empty state
When no payment methods are saved yet, the page shows an empty state with a
prominent **Add payment method** call-to-action. The same dialog opens whether
you click the empty-state button or the **Add payment method** button in the
page header.
## Default payment method behavior
* Exactly one payment method is the default at any time. Setting a non-default
one as default replaces the previous one.
* If you remove the default and others remain, Bizzy automatically promotes the
most-recently-added remaining payment method on the next page load. To pick a
different default, use **Set as default** on the one you prefer.
* Subscription invoices, credit top-ups, and overage charges all bill the
default payment method.
* At least one payment method must always be on file. Removing your only one is
blocked; add a replacement first.
## If a payment fails
When we can't charge your default payment method for a subscription renewal,
your account is marked **past due** and we automatically retry your card several
times over the following weeks. Your services keep working while we retry, so
there's no fixed deadline. Updating your payment method points the next retry at
the new card — the past-due state clears once that retry succeeds, not the moment
you save the card. To restore your account right away, use **Pay now** on the
open invoice (see [Invoices](/admin-guide/billing/invoices#pay-now)) to charge
the card immediately.
You'll receive reminder emails while your payment is past due:
| When | Notification | What it tells you |
| -------------- | ------------------------------------- | ------------------------------------------------------------------------------------------ |
| Right away | Payment failed | The first attempt didn't go through; update your payment method to keep your subscription. |
| \~3 days later | Payment still failing | We still couldn't collect payment; please update your card. |
| \~7 days later | Payment still failing — last reminder | A final reminder while retries continue. |
If the retries are eventually exhausted, the subscription is canceled and Bizzy
automatically:
* Moves the account to the **Free** plan
* Disables (but does not delete) resources beyond Free-tier limits — agents,
automations, MCP servers, and extra members
* Sends a final "subscription canceled" email summarizing what happened
Your data is preserved throughout — nothing is deleted. To restore your
subscription, [add or set a default payment method](#open-the-page) in-app, then
pick a plan on the [Upgrade page](/admin-guide/billing/upgrade). Disabled
resources can be re-activated once you're back within that tier's limits.
## Related
View, download, and pay invoices in-app
Update your billing contact, address, and tax ID
How credits and auto-recharge use your default payment method