> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.fincome.co/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 / change a payment method on Fincome

# Accessing the billing area

1. From your Fincome workspace, click on your initials at the bottom left.
2. Select **My account → Manage my subscription**.
3. You access the subscription page, which shows:
* your **current plan** and its amount,
* the **active payment method**,
* your **billing history**,
* the **Modify subscription** button.

| If a message "Your card has expired. Update your payment method." is displayed, add a new method and set it as the default.
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# Accepted payment methods

The options displayed depend on your contract and your country. At a minimum, Fincome accepts:

* **Bank card** (Visa, Mastercard, American Express)
* **SEPA direct debit**
* **Other methods (annual transfer on invoice)**: available on request depending on eligibility — contact your CSM if needed.

Only the methods visible in the portal can be saved directly. For any clarification, contact **Fincome support**.

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# Adding or changing a payment method

1. Click on your initials → **My account** → **Manage my subscription**.
2. In the **Payment method** section, click **Add a payment method**.
3. Fill in the requested information (number, expiration, CVC, IBAN…) then click **Save**.
4. Click the **…** to the right of the new method and choose **Set as default method**.
5. *(Optional)* Delete the old method via **… → Delete**.

### Common cases

* **Expired card**: add a new card and set it as the default.
* **Payment failure**: check the limit or 3-D Secure, update the card, then retry the payment from the invoice if offered.
* **No "Add" option visible**: your role may not allow billing changes — ask an administrator.

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# Updating the billing email and address

1. Go to **My account → Manage my subscription**.
2. Under **Billing information**, click **Update information**.
3. Modify:
* the **billing email** (for receiving invoices),
* the **legal address** (company name, country, VAT, etc.).

Tip: use a generic address (e.g.: *billing@your-domain.com*) to ensure invoices are received properly.

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# Finding and downloading your invoices

1. In **Billing history**, select the desired invoice.
2. Download the invoice **PDF** and/or the associated **receipt**.

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# Security and compliance

* All payments are processed via **Stripe**, a **PCI DSS**-certified infrastructure.
* Fincome **does not store any card data**: it is encrypted and managed exclusively by Stripe.
* You can **revoke or replace** a payment method at any time.

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# FAQ

**→ Which payment methods are accepted?**
Cards (Visa, Mastercard, Amex) and SEPA direct debit. Other options (annual transfer, direct mandate) can be activated on request depending on your contract.

**→ How do I set a default card?**
In **My account → Manage my subscription → Payment method**, add the new card then click **… → Set as default method**.

**→ Can I save several cards?**
Yes. You can save several cards and choose which one to use by default. The others will remain available as backups.

**→ When am I charged?**
On your contract's **renewal date**. The subscription renews automatically and the default payment method is charged, unless canceled beforehand.

**→ What should I do if a payment fails?**
Check the limit or 3-D Secure, update the card, then retry the payment from the invoice if offered. Fincome makes several automatic attempts before any access suspension.

**→ Are virtual or corporate cards supported?**
Yes, if they are **accepted by Stripe** and authorized for recurring payments by the issuer.

**→ How do I modify my legal information (VAT, company name, etc.)?**
In **My account → Manage my subscription → Billing information → Update information**. Fill in the company name, address, country, and VAT number.

**→ Who can modify payment information?**
Only **account owners** and **administrators** with billing rights can change or delete a payment method.