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

# What happens if a payment plan installment fails?

> How a declined installment is retried, what each status label means, and how to update your card and pay what's owed.

<Note>
  **Must know**

  * **Automatic retries.** A declined installment is tried again automatically, on the card or bank account saved on the plan.
  * **No switching cards.** Installments never move to another saved card on their own. Change the plan's card with **Update card** under **Billing Details > Payment Plans**.
  * **On hold isn't you.** The problem is on the club's side, and nothing is needed from you.
  * **Pay any time.** Pay a missed installment from its invoice or with **Pay off**.
</Note>

**How it differs.** Other automatic payments can fall back to your Primary card when theirs is removed; an installment never does. A failed installment doesn't cancel your athlete's enrollment on its own.

**Where to see it.** Open **Billing Details** (on a phone, under **More**) and find the order under **Payment Plans**. A late order shows a red **Overdue** badge and "This order is overdue. Update your card to recover it.", and its plan opens on its own.

| Label | Color | What it means |
| - | - | - |
| Retrying | Amber | Declined, and automatic tries remain. |
| Declined | Amber | A payment you started was refused. Nothing is late, and the automatic charge still runs on its due date. |
| Overdue | Red | Past due, with nothing tried yet. |
| Failed | Red | Every automatic try was declined. It needs your action. |
| On hold | Grey | A problem on the club's or payment provider's side. |

**On hold.** When that's the only problem, the order reads "We are sorting out a problem on our side. Nothing is needed from you right now." It isn't counted as late, and you can't pay it yourself.

<Steps>
  <Step title="Update the card">
    Select **Update card**. In **Update your payment card**, choose a saved card or **Add a new card**, then select **Authorize this card**. You'll see "Card updated - future installments will charge the new card." Every plan on the order switches, and a **Failed** installment goes back on the schedule to charge the new card automatically.
  </Step>

  <Step title="Or pay right away">
    Select **Pay off** (on an order with several plans, choose **Pay off plan** from the plan's menu). Tick the installments to pay (the next unpaid one starts ticked), then review the total before anything is charged. Or open the installment under **Invoices** and select **Pay now**.
  </Step>
</Steps>

**If your bank asks to verify the card.** The payment stops and the **Pay off plan** dialog closes. Use **Update card**, then pay again.

**Keeping the card current.** Once the plan's card has expired or is about to, and an installment is still due after that, an amber notice on the order says so and offers **Update card**. While a plan is active, you can't remove its card from **Payment Methods** until you switch the plan to another card.

**Emails.** When an installment is marked **Failed**, you get an "Action needed" email asking you to update your card. Installments that fail on one order at the same time share one email.

**Related:** [How does a payment plan work, and can I pay it off early?](/families/families-payments-billing/how-does-a-payment-plan-work) · [What happens when an automatic payment fails?](/families/families-payments-billing/what-happens-when-an-automatic-payment-fails) · [How do I change or remove my default payment method?](/families/families-payments-billing/change-or-remove-default-payment-method)