> For the complete documentation index, see [llms.txt](https://docs.tryholo.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.tryholo.ai/holo-docs/account-and-billing/payments.md).

# Payments

### How payments work in Holo

When you purchase a Holo subscription, you enter your payment method details during checkout and agree to automatic subscription renewals.

Your payment details are securely saved, so your subscription can renew automatically each billing period. You can view or update your payment method at any time. To do that, click on the **three-line menu icon** in the top-left corner **→ Settings → Account.**

### Automatic subscription renewals

Holo subscriptions renew automatically using the payment method saved to your account.

You do not need to make a manual payment each billing cycle unless your payment fails or you want to change your payment method.

### How to update your payment method

A saved card cannot be edited. Add the new card, make it the default, then remove the old one.

Only the **team owner** can do this. The card belongs to the team, and renewals use the method marked **Default**.

{% stepper %}
{% step %}

#### Open Account

Click the **three-line menu icon** in the top-left corner, go to **Settings → Account,** and scroll to **Payment method**.
{% endstep %}

{% step %}

#### Add the new card

Click **+ (Add card)**. Enter the **card details** and click **Add Card**.

A $0 authorization verifies the card. No charge is made.
{% endstep %}

{% step %}

#### Make it the default

On the new card, open the **⋯ menu** and choose **Make default**.

Renewals and one-click charges use the default method. 
{% endstep %}

{% step %}

#### Remove the old card

On the old card, open the **⋯ menu**, choose **Remove**, and confirm.

{% hint style="warning" %}
While a **subscription is active**, you **cannot remove the Default card**, or the only card on the team. Make another card the default first. Holo shows: “Active payment card is needed to keep an active subscription.” 
{% endhint %}
{% endstep %}
{% endstepper %}

### What happens if your payment fails

If a renewal payment fails, your subscription is automatically suspended.

We will also automatically retry the payment.

You can also retry the payment yourself. To do that, log in to your Holo account. If there is a failed payment on your subscription, you will be redirected to the **subscription recovery window**, where you can complete the payment.

Once the payment goes through, your subscription will be restored and you can continue using Holo.

### Why payments can fail

The most common reason is **insufficient funds**.

Before retrying the payment, make sure you have enough money in your bank account to cover the subscription fee.

Other possible reasons include:

#### Invalid card details

Make sure your card details match the payment method saved to your account.

#### Your bank is blocking the transaction

Some banks block certain transactions automatically. If that happens, contact your bank and ask them to authorize transactions to Holo.

***

### Still having trouble?

If your payment fails for no clear reason, please contact [support](mailto:support@tryholo.ai). We will check what happened in our system and help you restore your subscription.