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

# My renewal payment failed. What happens?

If your subscription renewal payment fails, your subscription becomes past due until the payment goes through.

## What you'll see

* Your balance shows **Unavailable until payment is resolved**. You can't use your credits until the renewal is paid.
* **Billing** shows a payment warning, and your subscription status shows **Past Due**.
* The billing dashboard shows the date the renewal payment was due.

## Fix the payment

1. Open **More** → **Settings** and select **Billing**, or go to [Billing settings](https://magica.com/chat?settings=billing).
2. Select **Resolve Payment Issue**.
3. In the billing portal that opens, update your card or add a new payment method.

You can also open the [billing dashboard](https://magica.com/billing) and select **Update Payment Method**.

When the payment goes through, your credits are available again.

For a team plan, the organization's owner or an admin updates the payment method from the organization's **Billing** page.

If your card keeps getting declined, see [My payment is being declined by Stripe](https://helpdesk.magica.com/helpdesk/helpdesk/billing-and-subscription/my-payment-is-being-declined-by-stripe.md).

## If you subscribed through the App Store or Google Play

Update your payment method in your [Apple subscriptions](https://apps.apple.com/account/subscriptions) or [Google Play subscriptions](https://play.google.com/store/account/subscriptions).

## If you'd rather cancel

While a renewal payment is past due, **Billing** shows **Cancel immediately**. This ends your subscription and plan access right away, and no refund is issued. See [What happens if I cancel?](https://helpdesk.magica.com/helpdesk/helpdesk/billing-and-subscription/what-happens-if-i-cancel.md).

If your balance is negative, add credits before you cancel.


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