Cards expire. Banks reissue numbers without warning. Payment methods drift. Here's how to keep ReservWise on a working method without losing access mid-month.
Add a new card
- Open Settings → Billing.
- Click Add payment method.
- Enter the card details. We use Stripe Elements — your card never touches our servers.
- Optionally toggle Make default. The default method is what we charge on your renewal.
You'll see a $0.00 verification charge appear briefly. It's a Stripe address-verification check, not a real charge — most banks don't even surface it. If you see a $1 charge instead, that's your bank's verification policy, not ours; it'll fall off in 1–3 business days.
Switch to ACH (US accounts only)
For annual subscriptions on the higher tiers, ACH is often the better option — no card-expiry surprises, lower processing overhead, and no failed-charge anxiety. To switch:
- Settings → Billing → Add payment method → Bank account (ACH).
- Choose Plaid instant verification (recommended) or microdeposits (1–2 business days).
- Make the bank account the default before your next renewal.
ACH only works on US bank accounts and only for annual plans. Monthly billing stays on cards.
If a charge fails
When a renewal charge fails — most often "insufficient funds" or "expired card" — we send three emails over seven days, and the app shows a banner the moment you log in.
You have a 7-day grace window. During grace:
- You keep full access. Nothing locks.
- The banner stays up until you fix the payment method or update the card.
- We retry the charge automatically every 48 hours.
If grace expires without a successful charge, the account moves to read-only. Your data is safe and untouched — you just can't add new transactions or run new analyses until billing is current. Adding a working card resolves it instantly.
Multiple payment methods
You can store more than one card. The default gets charged for renewals; the others are available for one-off purchases (extra Deep Dives if you exceed the monthly cap, for example).
Removing a payment method requires that it not be the only one on file and not the default. Promote another method to default first, then remove the old one.
Security notes
- Card numbers are stored by Stripe, not by us. We see only the last 4 digits and the brand.
- Updating the card does not change your subscription, plan, or renewal date.
- If you suspect a card was compromised, replace it in Settings → Billing, then change your account password and rotate any API keys you've issued. See Security.
Related
The grace window is generous on purpose — we'd rather wait an extra week than lock you out over an expired Visa.