---
title: "Payment methods"
description: "Add a card, switch to a different one, or remove an old payment method from the Payment and Invoices page in your account."
---

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

# Payment methods

Your saved cards live on the **Payment Methods** tab of the
[Payment & Invoices page](https://app.speakai.co/profile/payment). Speak AI charges the card you
have on file for subscriptions and for any usage beyond your plan.

## Add a card

1. Go to your [Payment & Invoices page](https://app.speakai.co/profile/payment).
1. Click **Add Card**.
1. Fill out your card details and click **Add**.

## Switch to a different card

Add the new card first, then remove the old one. Click **Add Card**, enter the new details, and
once the new card shows in the list, click the delete icon next to the card you no longer want.

## If your card is declined

See [payment troubleshooting](/help/troubleshoot/payments/) for the common reasons a charge fails
and what to do about each one.

## Add credit instead

To top up your prepaid balance rather than change a card, use **Reload your credit** on the same
page. See [credits and usage](/help/account/credits/) for how that balance is spent.

Still stuck? Write to success@speakai.co or [book a free consult](https://calendly.com/speak-ai/consult?utm_source=docs&utm_campaign=consult).

---
Related: [Account](/help/account/) · [Credits and usage](/help/account/credits/) · [Invoices and receipts](/help/account/invoices/)

Source: https://docs.speakai.co/help/account/payment-methods/index.mdx