# How to Change Your Payment Method

Canonical URL: https://support.optimonk.com/en/articles/how-to-change-your-payment-method

You can add or replace the card we charge at any time. It takes a minute, and the new method is used for every future payment.

**Only account Owners can do this** — the Billing tab is hidden for members.

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## Update your payment method

1. Click your **name** at the bottom of the left sidebar and choose **Settings**.
2. Open the **Billing** tab.
3. Scroll to **Payment method**. If you already have one on file, the line above the form says **Current:** and names it; if you don't, it says *No payment method on file. Add a card or PayPal below to upgrade your plan.*
4. Fill in the secure payment form. You can pay by **card** or with **PayPal** — pick the one you want in the form.
5. Click **Save payment method**.

That's it. The next payment is taken from the new method.

Note: payment changes made here do not affect **Shopify-managed subscriptions**. On a Shopify-billed account this section is read-only and says: *Payment method changes for Shopify-billed accounts are managed in your Shopify admin.
*

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## Bank transfer instead of a card

Some accounts can pay by bank transfer. When that is possible, the Payment method section offers two options — **Card / PayPal** and **Bank transfer**. Choosing **Bank transfer** explains what changes: *Switch to bank-transfer billing. We send a proforma invoice each period — no card required.* Click **Switch to bank transfer** to confirm.

If your account is already on bank transfer, the section shows **Bank transfer / proforma** and the note *Your account uses bank transfer billing. Contact support to update payment details or change your plan.*

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## If a payment was declined

When a charge fails, a message appears at the top of **Settings → Subscription**: *Your last payment was declined.* with an **Update payment method** link that brings you straight to the Billing tab. Save a working card there and the subscription continues.

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## Where your billing details live

The **Billing address** that appears on your invoices sits on the same tab, above the payment method. See I would like to change the billing data on my invoice.

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If you have questions or need assistance updating your payment method, contact us at **support@optimonk.com** or via chat — we're here to help.