Update payment method

Your card details are stored by Stripe, not by SEMOptimiser. We never see or store them. To update your card, we redirect you to Stripe's secure customer portal – same place Stripe customers manage every other subscription they have with Stripe-powered businesses.

Update your card

1. Go to Settings → Billing.
2. Click Manage payment methods. We open the Stripe customer portal in a new tab.
3. Click Add payment method or Update next to an existing card.
4. Enter the new card details and click Save.
5. Optionally make it your default – the default card is what we'll charge on the next renewal.
6. Close the Stripe portal tab. The change is reflected in your SEMOptimiser dashboard within a minute.

What happens at renewal

On the renewal date, Stripe charges your default payment method automatically. If the card fails, Stripe retries up to four times over the next two weeks. We email you on each retry and we email you (and the workspace owner) once on the fourth failure. If all retries fail, we downgrade you to the Free tier at the end of the second week.

Switch primary card

In the Stripe portal, click the three-dot menu next to a saved card and pick Make default. The next renewal uses this card.

Remove a card

Same menu, click Remove. You can't remove your default card without first making another card the default – Stripe prevents accidentally leaving your account with no payment method.

Update billing address

Same portal. Billing address is used for invoices and tax determination (GST, VAT, sales tax). Change it before your next invoice cycle for the new address to appear on the next invoice.

Pay invoices manually

If you got an email saying a payment failed, you can pay the open invoice manually from the Stripe portal. Click Open invoices → Pay now. This won't change the next renewal date.

Card-on-file security

Stripe is PCI-DSS Level 1 certified and stores card data in encrypted vaults isolated from any of their customers' systems. Nothing about your card data ever touches SEMOptimiser servers, logs, or backups. The most we ever see is the last four digits and the brand (Visa/Mastercard/Amex) – used only to display "Card ending in 4242" in the UI.