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

# Payment Methods

> Manage billing and payment information

## Overview

InsureStack uses **Stripe** for secure payment processing. All payment data is handled by Stripe - InsureStack never stores your full card details.

## Managing Payment Methods

<CardGroup cols={2}>
  <Card icon="credit-card" title="Add Payment Method">
    Add credit/debit cards securely through Stripe
  </Card>

  <Card icon="star" title="Set Default">
    Choose which card to use for automatic billing
  </Card>

  <Card icon="pen" title="Update Details">
    Change expiration dates or billing addresses
  </Card>

  <Card icon="trash" title="Remove Methods">
    Delete old or expired payment methods
  </Card>
</CardGroup>

## Adding a Payment Method

<Steps>
  <Step title="Navigate to Settings → Billing" />

  <Step title="Click 'Add Payment Method'" />

  <Step title="Enter payment details" />

  <Step title="Save payment method" />
</Steps>

<Note>
  All payment information is processed and stored by Stripe, not InsureStack. Your card details are encrypted and PCI-compliant.
</Note>

## Setting a Default Payment Method

If you have multiple payment methods:

1. Navigate to **Settings → Billing**
2. View your list of payment methods
3. Click **"Set as Default"** next to your preferred card
4. Future charges will use this card automatically

<Tip>
  If you only have one payment method, it's automatically the default.
</Tip>

## Updating Payment Information

To update an existing payment method:

1. Navigate to **Settings → Billing**
2. Find the payment method
3. Click **"Edit"**
4. Update details (expiration date, billing address, etc.)
5. Save changes

<Note>
  You cannot change a card number. To use a different card, add a new payment method and remove the old one.
</Note>

## Billing Cycle & Charges

### When You're Charged

* **Subscription plans** - Charged monthly on your billing date
* **Credit purchases** - Charged immediately upon purchase
* **Plan upgrades** - Charged immediately, billing cycle reset to date of upgrade

## Frequently Asked Questions

<AccordionGroup>
  <Accordion icon="circle-question" title="Can I use PayPal or other payment methods?">
    Currently, only credit/debit cards are supported for Pay as you Go, Plus, Pro, and Team plans.

    Enterprise plans can use ACH, wire transfers, or invoicing upon request.
  </Accordion>

  <Accordion icon="circle-question" title="Are there any fees or markups?">
    No. You pay exactly what's listed in our pricing. InsureStack does not charge any additional processing fees.

    Standard Stripe fees are absorbed by InsureStack - you don't pay them.
  </Accordion>

  <Accordion icon="circle-question" title="Can I change my billing date?">
    Your billing date is set when you subscribe or upgrade and cannot be manually changed.

    To change it, you'd need to cancel and re-subscribe on your desired date (not recommended due to potential disruption).
  </Accordion>

  <Accordion icon="circle-question" title="What happens if my card expires?">
    Stripe automatically updates some cards when they expire (if your bank supports it). Otherwise:

    * You'll receive a notification before your card expires
    * Update your card details in Settings → Billing before the expiration date
    * If you don't update it, payment will fail and your account may be downgraded
  </Accordion>

  <Accordion icon="circle-question" title="Can I get a refund?">
    Refunds are handled on a case-by-case basis. Contact support if you believe you're entitled to a refund.

    Generally:

    * No refunds for unused monthly credits (they expire)
    * No refunds for purchased credits (valid 1 year)
    * No prorated refunds for downgrades (you get full access until period end)
  </Accordion>
</AccordionGroup>

## Next Steps

<CardGroup cols={2}>
  <Card title="View Billing" icon="file-invoice-dollar" href="/billing/overview">
    Check your credit balance and billing details
  </Card>

  <Card title="View Plans" icon="list" href="/billing/plans">
    Compare subscription plans and upgrade
  </Card>

  <Card title="Purchase Credits" icon="cart-shopping" href="/billing/purchasing">
    Buy additional credits for your organization
  </Card>

  <Card title="Account Settings" icon="user" href="/settings/account">
    Manage your personal account details
  </Card>
</CardGroup>