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Nothing dramatic happens. Your account stays exactly where it is — we move you to the Free plan’s allowance until the payment goes through, and everything comes back the moment it does. The app tells you with a banner reading “We couldn’t process your payment”, and the button under it takes you where you need to go.

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Fixing it

1

Open Plans & Billing

In Settings, choose Plans & Billing under Account.
2

Click Update Payment Method

While a payment is outstanding, the button in the Plan section reads Update Payment Method rather than Manage Billing.
3

Add a working card at Stripe

That opens your billing page at Stripe. Add or update the card there.
Stripe retries the outstanding payment automatically once there’s a card that works. You don’t need to do anything else, and you don’t need to resubscribe.

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What you keep in the meantime

  • Local dictation and your own API keys — unlimited, exactly as before. These never depended on the payment.
  • OpenWhispr Cloud — the Free allowance of 2,000 words per rolling 7 days.
  • All your notes and transcriptions — untouched. Nothing is deleted over a failed payment.

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Why cards get declined

The common ones, in roughly the order we see them:
  • The card expired.
  • The bank blocked it as an unexpected international or online charge — a surprising share of these, and usually fixed by approving it in your banking app and retrying.
  • Insufficient funds at the moment the charge ran.
  • The card was replaced after fraud and the old number is still on file.

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FAQ

The subscription eventually ends if the payment never succeeds. Your account and data stay, and you can subscribe again whenever you want.
It clears once Stripe confirms the retry. If it’s still there after a few minutes, close and reopen Settings — and tell us if it persists.
Email us with the dates and we’ll refund the duplicate. See Refunds.