Card declined troubleshooting
If a Schedulin charge is declined, the issue is almost always on the card-issuer's side, not ours. Stripe returns a reason code we surface in the email.
Common reasons
| Reason | Fix |
|---|---|
| Insufficient funds | Add funds or use a different card. |
| Card expired | Update the card under Settings → Billing → Payment methods. |
| Do not honor / generic decline | Contact your card issuer. Often a fraud-prevention flag. |
| Card not enabled for international payments | Schedulin charges from the US/EU. Ask your issuer to enable international charges. |
| 3DS authentication failed | Watch for the verification SMS/app push from your bank and approve it. |
| Card velocity exceeded | You hit your daily charge limit. Wait or use another card. |
What we do on a decline
- We retry the charge automatically on day 1, 3, and 7.
- You get an email after each failed attempt.
- After day 7, the subscription enters a grace period (banner shown, channels still working).
- After grace, channels are paused. Nothing deleted.
Fix it quickly
- Settings → Billing → Retry payment — you can manually retry whenever the card is ready.
- Add a new payment method — easier than waiting for the next auto-retry.
Subscription resumes immediately
The moment a charge succeeds, everything resumes. Queued posts that were waiting publish at their next scheduled slot (not immediately — see How scheduling works).