Update your card any time from Settings → Billing → Payment Method. Failed charges retry three times over seven days before your workspace drops to Free. Data rooms stay accessible throughout — only paid features pause after the retry window.

Update Your Card

Open Settings → Billing → Payment Method.
Click Update Card.
Enter new card details on the Stripe form.
Click Save.

New card takes effect immediately. Any pending retry on a failed payment uses the updated card. Subscription reactivates within a few minutes of a successful charge.

Why Payments Fail

Incorrect card number — typos are common.
Card expired.
Insufficient funds (or 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 three times over ~7 days:

First failure — you get an email notification.
Retry 1 (a few days later) — second notification.
Retry 2 (a few more days) — third notification.
Final failure — 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

After final failure, paid features disable. Files are not deleted — everything stays in place for 30 days from the downgrade.

Recover from a Failed Payment

Update your card under Settings → Billing → Payment Method.
If Stripe emailed you a direct link, click that — it opens the customer portal and triggers an immediate retry.
Once the card is updated, Peony retries the charge within a few minutes and reactivates paid features.
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 AP cycle)

Manual 48-hour 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?

Settings → Billing → Payment Method → Update Card.
Enter the new card.
Current cycle uses the old card; next renewal uses the new one.

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