---
title: "Payment errors"
description: "Payments fail most often on a bank decline, a debit card where credit is required, an expired card, or a regional restriction. How to clear each."
---

> 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 errors

## Why did my payment fail?

A failed charge can happen for several reasons:

1. **Your card was declined by your bank or card issuer.** This is the most common reason. Your bank may block the charge as a security measure, especially for first-time transactions with a new merchant.
1. **You used a debit card instead of a credit card.** Some debit cards are not accepted for recurring subscriptions. Try a credit card instead.
1. **Your credit card is expired.** Check the expiration date and update your card if needed.
1. **Insufficient funds.** Make sure your card has enough available credit or balance.
1. **The payment was blocked as high-risk.** Some banks flag international transactions or first-time subscription charges. Contact your bank to authorize the payment.
1. **Regional restrictions.** Some card types or regions may not be supported by our payment processor.

## Fix it

1. Go to your [billing settings](https://app.speakai.co/settings/billing)
1. Update your payment method with a different card
1. Try the payment again

If you continue to have issues after trying a different card, contact your bank first to confirm they are not blocking the transaction. Then reach out to us and we will help resolve it.

## Other billing questions

- **Where are my invoices?** Available in your [billing settings](https://app.speakai.co/settings/billing) under payment history.
- **When am I charged?** Monthly plans bill on the same date each month. Annual plans bill once per year.
- **How do I cancel?** You can cancel anytime from your billing settings. See our [pricing and plans guide](/help/account/free-trial/) for details.

Need help? Just send us a message and we will look into your specific situation.

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: [Troubleshooting](/help/troubleshoot/) · [Export errors](/help/troubleshoot/exports/)

Source: https://docs.speakai.co/help/troubleshoot/payments/index.mdx