Peony updates cards through the Stripe billing portal, not an in-app payment screen. Open the portal from the Settings menu at the bottom-left of your home screen (this is the workspace Settings, not a data room's Settings tab), then click View billing. Failed charges retry over several days before your workspace drops to Free. Data rooms stay accessible throughout — only paid features pause after the retry window.

Update Your Card

There is no in-app payment-method screen inside Peony. Card details are managed in the Stripe customer portal.

Open the Settings menu at the bottom-left of your home screen (this is the workspace Settings, not a data room's Settings tab), then choose View billing.
In the Billing dialog, click View invoices. This opens the Stripe billing portal in a new tab.
In the portal, update your saved card (add a new card or edit the existing one).
Save your changes in the portal.

The new card takes effect immediately. Any pending retry on a failed payment uses the updated card. Your subscription reactivates within a few minutes of a successful charge.

If Stripe emailed you a direct link after a failed charge, click that instead — it opens the same portal and triggers an immediate retry.

Why Payments Fail

Incorrect card number — typos are common.
Card expired.
Insufficient funds (or a daily debit limit on business cards).
Bank rejected — common for international charges or fraud-detection flags.
Billing address mismatch with the card record.
Card brand not supported — rare, but some regional debit cards are rejected.

Stripe returns a specific decline code. Check the email Stripe sent for the reason.

What Happens When a Payment Fails

Peony retries the charge over several days:

First failure — you get an email notification.
Retry (a few days later) — second notification.
Final failure — your workspace drops to Free until the card is fixed.

During the retry window:

Data rooms remain accessible to you and your team
Share links resolve for viewers
Paid features stay active

If the charge keeps failing, the data room is shut a few days after the failure. Re-open it by fixing the card and resuming your plan. Files are not deleted — everything stays in place after the downgrade.

Recover from a Failed Payment

Open View billing → View invoices to reach the Stripe portal and update your card.
If Stripe emailed you a direct link, click that — it opens the same portal and triggers an immediate retry.
Once the card is updated, Peony retries the charge within a few minutes and reactivates paid features.
Email sean@peony.ink once your card is fixed so the failed-payment follow-up emails stop.
If the retry fails again, email sean@peony.ink with the decline code. You'll receive a manual Stripe invoice link.

Emergency Access During a Failed-Payment State

Mid-deal and can't afford interruption? Email sean@peony.ink with:

Workspace email
Deal timeline (e.g. "closing Friday")
Card status (replacement incoming, waiting on an AP cycle)

Manual short access extensions are routinely granted.

Change Card for Future Charges Only

Switching to a corporate card for next fiscal year but keeping the current one for now?

Open View billing → View invoices to reach the Stripe portal.
Add the new card in the portal.
The current cycle uses the old card; the next renewal uses the new one.

To charge the new card immediately, email sean@peony.ink.

Common Questions

My card was rejected (insufficient funds / decline) — how do I fix it, and what happens to my room?

Update the card on file through View billing → View invoices in the Stripe portal, then email sean@peony.ink so the failed-payment follow-up emails stop. If the payment keeps stalling, the data room is shut a few days after the failure. Fix the card and resume your plan to re-open it — nothing is deleted.

I downgraded to Free but my saved card still shows in the billing portal. How do I remove it?

Deleting a saved card in the Stripe portal does not reliably work for everyone after downgrading. If your card still shows and you want it removed, email sean@peony.ink and support removes it manually from the backend.

Where is the "Payment Method" screen in Settings?

There isn't one. Peony has no in-app payment-method page. All card changes happen in the Stripe billing portal, which you reach from View billing → View invoices.