> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.booksgpt.ai/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Add or change your payment method

The card on file lives in Settings, on **Plan & billing**. You can add one, or replace the one we already have.

1. Click [Settings](https://app.booksgpt.ai/go/settings) at the bottom of the sidebar.
2. Find **Plan & billing**.

This block is there on lifetime, and on a monthly or yearly plan. It is not on the 30-day trial you started with your card, which already has it.

## If you have no card yet

- It says **No card on file. Add one to buy extra client workspaces.**
- Click **Add a payment method**.
- Card details go straight to Stripe. They never touch our servers.

![Plan and billing with no card on file, and Add a payment method](https://booksgpt.ai/help/billing/payment-method-none.png)

## If a card is already on file

- Brand, last four digits, and expiry.
- **Update payment method** replaces it.
- A line under it names what it pays for: your plan, Business Max, your extra client workspaces, or more than one of these.

![Visa on file, Update payment method, used for extra client workspaces](https://booksgpt.ai/help/billing/payment-method-card.png)

|| Paying by Link looks like **Link · your email**. The button is still **Update payment method**, never Replace card.

![Link payment method with Update payment method](https://booksgpt.ai/help/billing/payment-method-link.png)

## If something is wrong

- Expired: the row turns amber. **This card has expired. Replace it or your next workspace charge will fail.**
- On file but we cannot charge it: **We can't charge this method yet. Add it again below, or email support@booksgpt.ai.**

![Expired Visa, amber warning to replace it](https://booksgpt.ai/help/billing/payment-method-expired.png)

![Card on file that cannot be charged yet](https://booksgpt.ai/help/billing/payment-method-unusable.png)

## If you have an unpaid invoice

Saving a new method discloses this first:

- **Saving this card will also let Stripe retry your unpaid invoice of $X.**
- If we cannot name the amount: **Saving this card will also let Stripe retry the unpaid invoice on your account.**

|| Stripe retries it only if you save.

## Extra client workspaces

- Buying an extra workspace needs a card on file.
- With no card yet, click **Add client workspace** under **Extra client workspaces**. When your plan's workspaces are used up, BooksGPT asks for a card as part of creating the new one, and shows the charge before you confirm. Your current plan stays the same.
- A free-forever founding account with nothing billed has no **Payment method** block. It adds a card the same way.

## Good to know

- Yearly back to monthly is still email support@booksgpt.ai. That is not a card change. See "Pay monthly or yearly".
- Cancel is on this same page. See "Cancel a trial or monthly plan".