> ## Documentation Index
> Fetch the complete documentation index at: https://docs.trytalkvalue.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Update payment method

> Add, replace, or remove the card on file for your TalkValue workspace.

The card on file pays for your Pro subscription and any monthly overage. You manage it through the **Stripe Customer Portal**, which TalkValue opens in a redirect from the billing page. Stripe handles the card form, fraud checks, and 3D Secure; TalkValue picks the result back up when you return.

## Where it lives

**Settings → Billing → Payment method**. The card shows your current payment method (brand, last four, expiration) when one is on file, and an **Add payment method** button when none is. Either way, the right-hand button takes you into the Stripe Customer Portal:

* **Add payment method** if no card is on file.
* **Manage in Stripe** if a card is already on file.

This tab and these buttons are visible to **Admins only**. If you're a Member who needs the card updated, ask an Admin (see [Roles and permissions](/administration/workspace/roles-and-permissions)).

## Add or replace your card

<Steps>
  <Step title="Open Settings → Billing">
    Click the workspace chip in the top-left header, then **Settings**, then **Billing**.
  </Step>

  <Step title="Click Manage in Stripe (or Add payment method)">
    A spinner appears briefly, then the page redirects to the Stripe Customer Portal in the same tab.
  </Step>

  <Step title="Add the new card">
    In Stripe's portal, click **Add payment method**, fill in the card details, and confirm any 3D Secure challenge from your bank.
  </Step>

  <Step title="Set the new card as default">
    On the **Payment methods** list, open the new card's menu and pick **Make default**. Stripe uses the default card on the next invoice.
  </Step>

  <Step title="Remove the old card (optional)">
    Open the old card's menu and pick **Remove**. Stripe blocks removing the default, so set the new card as default first.
  </Step>

  <Step title="Return to TalkValue">
    Click **Return to TalkValue** at the top of the Stripe portal. TalkValue refreshes the **Payment method** card with the new card.
  </Step>
</Steps>

## What the Stripe Customer Portal can do

Beyond payment methods, the Stripe portal lets you:

* Download past invoices and receipts as PDFs.
* Update the billing address used on invoices (for VAT or sales-tax compliance).
* Update the billing email that receives invoice and dunning emails.

These all live behind the same **Manage in Stripe** redirect. There's no separate **Manage subscription** button for them; everything routes through the portal.

## If the card fails

A failed charge moves your workspace into a **PAST DUE** state. The subscription stays active for a grace window while Stripe retries. TalkValue surfaces the past-due state on the **Billing** tab and in the workspace chip. Open **Manage in Stripe** and add a working card. The next retry goes through and the workspace returns to **ACTIVE**.

If the grace window expires without a successful charge, the workspace moves to **EXPIRED** and routes to the resubscribe screen on next sign-in. See [Resubscribe](/administration/billing/resubscribe).

## Related

* [Plans, trial, and Pro](/administration/billing/plans-trial-pro). What you're paying for.
* [Quotas and overages](/administration/billing/quotas-and-overages). What drives the next invoice amount.
* [Cancel and undo](/administration/billing/cancel-and-undo). Stop future charges or reinstate within the cycle.
* [Resubscribe](/administration/billing/resubscribe). After a subscription has expired.