> ## Documentation Index > Fetch the complete documentation index at: https://docs.percify.io/llms.txt > Use this file to discover all available pages before exploring further. # Percify payment declined: card, 3D Secure and currency fixes > Why a card is declined at Percify checkout, how to get through a 3D Secure check, what currency you're charged in and how to fix a failed renewal. Percify takes payments through Stripe. When a payment is declined, it's almost always your bank or card issuer that refused it, not Percify. Typical reasons are a 3D Secure confirmation that wasn't completed, not enough funds, or a prepaid card that can't pay for a subscription. Try the bank's confirmation step again, use another card or payment method, or ask your bank to allow the charge. ## What you see | Message | What it means | | ---------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | A decline reason from your bank on the checkout form, or **Payment failed. Please try again.** | The bank refused the charge. | | **Your bank needs to confirm this payment.** | Shown when you change an existing plan. Your bank wants a 3D Secure check (a code, or approval in your banking app) before it charges you. On a new checkout, the same check opens inside the payment form. | | **Your bank declined the authentication. Please try again.** | The 3D Secure check was cancelled or failed. | | **Your browser blocked the secure payment form** | An ad blocker or strict network stopped the payment form from loading. The panel offers Stripe's own checkout page instead. | | **The card form is taking longer than usual on your connection.** | The form is slow to load. Choose **Continue to secure checkout** to finish on Stripe's page. | | **Failed to start checkout. Please try again.** | Checkout couldn't open. Reload the page and pick the plan again. | | An email titled **Action required: Payment failed** | A subscription renewal didn't go through. | ## How to fix a declined payment If your bank sends a code or asks for approval in its app, approve it before the check times out. Keep the checkout tab open while you do. Make sure the card number, expiry date, CVC and billing country match your card, and that the card has enough funds. Stripe shows the payment methods available for your country and currency, such as wallets or local methods, alongside cards. Prepaid cards often can't pay for a recurring subscription, so use a regular debit or credit card for a plan. If the payment form doesn't load, pause your ad blocker for the page or switch networks, or use the option to continue on Stripe's own checkout page. If every attempt is declined, the bank may be blocking online or international payments. Ask it to allow a payment to Percify, then try again. ## Which currency will I be charged in? Percify's plans are priced in US dollars. In the eurozone, plans are charged at fixed euro prices instead. In other countries, Stripe may show the price converted into your local currency. The total on the checkout page is the amount you pay. Your bank can add its own foreign-transaction fee on top, and Percify doesn't control that. See [Plans and payments](/percify/payments) for current prices. ## My renewal payment failed When a renewal can't be charged, Percify emails you **Action required: Payment failed** with an **Update Payment Method** button. It opens [app.percify.io/billing](https://app.percify.io/billing), which takes you to your Stripe billing portal, where you can update your card. You can also get there from **Profile**, then **Plan & Billing**, then **Manage billing**. Your plan's monthly credits are added only once the renewal is paid, so update the card soon. Under the [Terms](https://percify.io/terms), failed payments may result in service suspension. ## I was charged but didn't get my plan or credits Reload the app first, because your balance and plan refresh when the page loads. If nothing changed after a few minutes, email [support@percify.io](mailto:support@percify.io) with the email address on your Percify account and the date and amount of the charge. Don't pay again while you wait, or you may be charged twice. ## Related Prices, payment methods and how checkout works. When Percify refunds a payment. Stop the next renewal. Add credits without a subscription.