What happens if my payment fails?
Automatic Retry Process
When a payment fails, Stripe automatically retries the charge over the next 7 days. During this retry period:
- Your paid features remain fully active
- You receive an email notification for each failed attempt
- No action is needed if the issue resolves itself (e.g., temporary bank hold)
If All Retries Fail
After 7 days of unsuccessful retries, your account is downgraded to the Free plan. This means:
- Message limit drops to 50/day
- Voice chat is disabled
- Only 1 character remains active (additional characters become read-only)
- API access and integrations are suspended
- Published marketplace characters are unpublished (Creator plan)
How to Fix It
Go to Settings, select the Billing tab, and click Manage Billing to update your payment method in the Stripe portal. Once a valid payment method is on file, Stripe will retry the charge. As soon as payment succeeds, your paid features are restored immediately.
Your Data Is Safe
A failed payment never deletes your data. Your characters, conversations, memories, uploaded files, and settings all remain intact. The only change is that paid features are locked until billing is resolved. Once you update your payment method and the charge goes through, everything is exactly as you left it.
Tip If your card was declined unexpectedly, contact your bank first. Common causes include expired cards, insufficient funds, or fraud protection blocks on recurring charges.
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