Cards expire, banks decline things, and none of that is a reason to
take a working course offline in the middle of a term.

## Nothing changes, and there is no deadline

A failed payment puts your plan on **hold** rather than ending it.
Published experiences stay up, learners keep working, and your limits
stay where they were, for as long as the payment is outstanding.
**Billing** shows that a payment failed and the day it failed. There is
no countdown, because there is nothing at the end of one.

**Nothing in Panova will change your plan on its own.** No job moves an
organisation to a smaller plan overnight, and no account is switched off
without a person deciding to.

## Fixing it

Update the card in the billing portal from **Organisation → Billing**.
As soon as a payment goes through the hold clears on its own — there is
nothing to tell us.

## If it is never paid

Somebody from our team gets in touch. Any change to your plan is then a
conversation and a person's decision, and nothing is deleted by it.

> A failed card is a conversation, not a switch-off. Nothing in Panova changes your plan on its own, and there is no deadline on the hold.

## Everything else about the subscription

Changing plan, updating a card and cancelling all happen in the billing
portal rather than in Panova. It is your card details and your invoice
history, so they live with the payment provider rather than with us.