Plans and billing

My payment didn't go through. What happens?

You keep your plan while the payment is tried again. Choose Update card on the notice at the top of Finly Money or on your plan card, and add a working card on the billing page. Plan and billing changes wait until the payment goes through.

Updated Oct 17, 2026

Cards get declined for all kinds of reasons: an expired card, a new card number, or a hold from your bank. When a payment for your plan fails, nothing is lost straight away.

What you'll see

  • A notice at the top of each page: Your last payment didn't go through, with an Update card button. Not now hides it on that device for a day.
  • On Membership, your plan card shows Payment needs attention.

Update your card

  1. Choose Update card

    On the notice, or on your plan card on Membership.

  2. Change your card on the billing page

    A secure page from our payment provider opens. Add your new card there. We never see or store your card number.

  3. Come back to Finly Money

    Once the payment goes through, the notice goes away and your plan card shows Active again.

While a payment is overdue

  • You can't change your plan or your billing until the payment is made. Membership tells you so.
  • You can still cancel your plan, or keep a plan you'd set to end.

If the payment can't be collected

If the payment still fails after it's been retried, your plan stops and Finly Money pauses, just as when any plan ends. Your data stays.

Sometimes a plan whose payments were declined stays open without billing you. If so, you'll see a note saying your payments were declined, with Cancel it to close it. Starting a new plan closes it for you.

Updated your card and still seeing the notice after a day?

Contact support

Frequently Asked Questions

On Membership, choose Manage billing. The billing page lets you download every receipt and change your card.

A payment is overdue. Update your card first; once the payment goes through, you can change your plan or billing again.

No. Everything you've added stays, even if your plan stops.

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