Managing Payment Methods

Manage your payment methods to ensure uninterrupted service. This guide covers adding, updating, and removing payment cards.

Accepted Payment Methods

Credit & Debit Cards

Card Type	Supported
Visa	Yes
Mastercard	Yes
American Express	Yes
Discover	Yes
Debit cards	Yes

Enterprise Options

Enterprise Plan

Enterprise accounts can also use:

• Invoice billing
• Wire transfer
• Purchase orders
• ACH payments

Viewing Payment Methods

1. Go to Settings → Billing
2. Find "Payment Methods" section
3. View all saved cards

For each card you'll see:

• Card type and brand
• Last 4 digits
• Expiration date
• Default status

Adding a Payment Method

Setting Default Payment

If you have multiple cards, set which one is charged:

1. Go to Settings → Billing → Payment Methods
2. Find the card you want as default
3. Click "Set as Default"
4. Confirm the change

The default card is used for:

• Subscription renewals
• Overage charges
• Upgrades

Updating a Payment Method

Update Card Details

You cannot edit card numbers. Instead:

1. Add a new card with updated details
2. Set it as default
3. Remove the old card

Update Billing Address

1. Click "Edit" on the payment method
2. Update billing address fields
3. Save changes

Removing a Payment Method

1. Go to Settings → Billing → Payment Methods
2. Find the card to remove
3. Click "Remove"
4. Confirm deletion

Card Expiration

Before Expiration

We notify you when a card is expiring:

• 30 days before expiration
• 7 days before expiration
• At expiration

Update Expired Cards

When your card expires:

1. Add a new card with updated expiration
2. Set as default
3. Remove expired card
4. No service interruption if done promptly

If Payment Fails

If a charge fails due to expired card:

1. You receive notification
2. Grace period begins (typically 7 days)
3. Update payment method
4. Retry charge automatically or manually

Payment Security

Secure Processing

• All transactions use HTTPS/TLS
• PCI DSS compliant
• Card data stored by Stripe
• Never stored on Zenovay servers

What We Store

• Last 4 digits (for identification)
• Card brand
• Expiration date
• Stripe token (encrypted)

What We Don't Store

• Full card number
• CVV/CVC
• Full billing address (only necessary parts)

Failed Payments

Why Payments Fail

Reason	Solution
Insufficient funds	Ensure funds available
Card expired	Update card details
Fraud prevention	Contact your bank
Invalid details	Re-enter card information
Card declined	Use different card

Handling Failed Payments

1. Check email for failure notification
2. Log in to Settings → Billing
3. Update or add payment method
4. Click "Retry Payment" if available
5. Contact support if issues persist

Grace Period

When payment fails:

• 7-day grace period to update
• Service continues during grace period
• After grace period, service may be suspended
• Update payment to restore immediately

Multiple Payment Methods

Benefits of Multiple Cards

• Backup if primary fails
• Expense tracking (personal vs. business)
• Flexibility for changes

Managing Multiple Cards

• Set one as default
• Keep backups for emergencies
• Remove unused cards
• Update expiring cards promptly

Invoiced Billing

Enterprise Plan

Setting Up Invoiced Billing

Enterprise customers can request invoice billing:

1. Contact your account manager
2. Provide billing details
3. Agree to payment terms (NET 30 typical)
4. Receive invoices by email

Invoice Payment Options

• Wire transfer
• ACH
• Check (with approval)

Tax Information

VAT/Tax ID

Business customers can add tax ID:

1. Go to Settings → Billing → Tax Information
2. Enter VAT number or tax ID
3. Save to apply to invoices

Tax Exemption

For tax-exempt organizations:

1. Contact support
2. Provide exemption certificate
3. Exemption applied to future charges

FAQ

Is my card information secure?

Yes, we use Stripe for PCI-compliant payment processing. Card details never touch our servers.

Can I use PayPal?

Currently we accept credit/debit cards only. Enterprise can arrange alternative methods.

How do I get a receipt?

Receipts are emailed after each payment and available in billing history.

Can I change billing date?

Contact support to request a billing date change.

What happens if I don't update expired card?

After grace period, service may be suspended until payment is updated.

Next Steps

• View invoice history
• Understand your plan
• Update subscription