Updating your payment method.

Cards expire, banks change them, you switch personal/corporate. Updating saved payment methods takes 30 seconds.

Adding a new card

1. Panel → Billing → Payment Methods
2. Add Payment Method
3. Paddle's secure form opens — fill card details
4. Save

The card is verified with a $0 authorization (sometimes shows as a tiny temporary hold; auto-released within 24h).

Card is stored at Paddle (our payment processor), not on our servers. PCI scope is theirs.

Setting default

If you have multiple cards, mark one as default:

Panel → Billing → Payment Methods → next to a card → Set as Default.

The default card is used for:

• Auto-renewals (hosting, domains)
• Failed payment retries
• Subscription upgrades

Removing a card

Same panel → next to a card → Delete.

You cannot delete the only remaining card if you have active subscriptions — would leave them un-billable. Add a new card first, then delete the old.

Card expired

We email you 14 days before any saved card expires. Update before then.

If the card expires before you update, the next renewal attempt fails. We retry per the schedule above and email you each time. Update the card in time and the next retry succeeds.

Switching from card to wallet

If you have wallet balance (from refunds, affiliate earnings, manual top-up):

• Wallet auto-applies first
• If wallet is enough → no card charge
• If wallet is insufficient → wallet covers what it can, card covers the rest

You don't need to do anything — the system handles the order.

PayPal / other methods

We currently support credit and debit cards (Visa, MasterCard, American Express, Discover, JCB) globally.

PayPal: enabled in select regions — visible in the payment dropdown if available for your country.

For other payment methods (bank transfer, wire, crypto), open a ticket — possible for annual/multi-year purchases above $500.

Multiple cards for different purposes

Common pattern:

• Personal card as default for small purchases
• Corporate card marked for specific subscriptions

Set this in Panel → Billing → Subscriptions → next to subscription → Change Card.

Card declined errors

If your card is declined repeatedly:

1. Check the card hasn't expired
2. Check it has sufficient funds
3. Check your bank hasn't blocked international transactions (Paddle is a Maltese company — looks "foreign" to some US/UK banks)
4. Try a different card

If still declined, your bank fraud detection may be flagging the charge. Call your bank, mention "Paddle.com / Rivervo charge", they'll whitelist.

Strong Customer Authentication (SCA)

EU/UK cards may require 3-D Secure verification on first charge — you'll see a popup asking for SMS code or app confirmation from your bank.

Once verified for a card, future charges usually pass without re-prompting.

Changing billing details (not the card)

Address, name, VAT number — all separate from card details.

Panel → Billing → Billing Details → edit → save.

VAT number changes affect future invoices, not past ones.