Payment Options and Saved Cards

Kapsule bills by card. A saved card is what makes automatic renewals work, and keeping a valid one on file is the single most effective thing you can do to avoid an interrupted service.

Cards are managed on Billing, then the Payment tab, or directly at the Payment Methods page reached from there.

What You Can Pay With

Card. Visa, Mastercard, and American Express are shown with their own marks. Other card brands are accepted where our payment processor supports them and are displayed by name. Wallet payments such as Apple Pay and Google Pay are available at checkout on devices that offer them.

New Zealand bank transfer. At checkout only, and only for accounts billed in New Zealand dollars, and only for one-time and annual purchases. It is not offered on monthly plans.

Some things genuinely do not exist, and it saves time to say so:

• There is no account credit, wallet, or balance to top up.
• There is no invoice terms, net 30, or pay-by-invoice arrangement.
• There is no limit on how many cards you may save.

Adding a Card

1. Go to Billing, then the Payment tab.
2. Click Add card, or Add another card if you already have one.
3. Enter the card details in the panel headed "Add payment method", described as "This card will be used for subscription renewals."
4. Click Save card.

Card details are captured by our payment processor directly. The panel states it plainly: card details never touch our servers. We hold a reference to the card, its brand, its last four digits, and its expiry, and nothing more.

Choosing Which Card Is Used

The Default Card

One card is marked Default. That is the card renewals are attempted against unless a subscription has a different card attached to it specifically.

Set a different default with Make default on the card you want.

Attaching a Card to One Subscription

Each subscription has its own Renewal Card panel, showing whether a card is attached.

Where you have several cards, a Switch Card or Choose Card control lets you pick which one this subscription uses. Selecting a card applies immediately with no confirmation step, so choose carefully.

This is how you put a business card on the hosting and a personal card on a side project, or route a client's subscription to a card they have given you.

Removing a Card

Click the bin icon on the card and confirm in the dialog.

The remove control is deliberately hidden on a card that is attached to an active, trialing, or past-due subscription. Removing it would leave that subscription with no way to renew. Attach a different card to the subscription first, then come back and remove the old one.

Expiring Cards

An expired card is marked with an Expired pill and the expiry month and year are shown on every card.

A card that expires between renewals is the most common cause of a failed renewal, and the failure does not arrive until the renewal is attempted. Diary the expiry, or add a second card now so there is a valid one on the account when the first lapses.

If a renewal has already failed, see When a Payment Fails and Renewals and Auto-Renew for the retry ladder.

Renewals and Bank Authentication

Renewal charges happen while you are not there. If your bank insists on interactive authentication for a particular charge, there is nobody present to complete it, and the renewal is recorded as a decline.

This is worth knowing because the symptom is confusing: the same card that works fine at checkout fails on renewal. The fix is usually to ask your bank to allow recurring charges from us, or to save a card from a different issuer.

At checkout, where you are present, authentication is handled properly and you are prompted to complete it. The message you would see is "Your bank requires extra verification. Please complete the prompt and try again."

Common Decline Messages

The panel gives you the reason your bank returned, in plain language rather than a code:

• "Your card was declined. Please try a different payment method or contact your bank."
• Variants for insufficient funds, an expired card, an incorrect security code, an incorrect card number, and a processing error.

For any of these, the answer is the same: fix the card, or use another one, then retry. We are not told why a bank declined beyond the category, so support cannot see more than you can.

Who Can Manage Payment Methods

Payment methods need the Owner, Admin, or Billing role, and write permission within it. Someone with read access sees the cards but finds the controls disabled with the tooltip "Requires Owner, Admin or Billing".

Every change is recorded in the audit log with the actor and IP address.

Giving a bookkeeper the Billing role lets them keep the card current without giving them the ability to delete a site. See Inviting Team Members and Setting Roles.

Troubleshooting

Add card does nothing. Your role lacks billing write permission, or a phone verification step is waiting. Check for a verification prompt first.

The remove button is missing. That card is attached to a live subscription. Attach another card to the subscription, then remove this one.

My card was declined but my bank says it approved. An authorisation can be approved and then reversed, and a saved-card renewal can fail for authentication reasons a checkout would not. Try adding the card again, or use a different one.

Which card paid this invoice? The invoice's Payment panel names the brand and last four digits. See Reading Your Invoice.

I want to pay by invoice or bank transfer for a monthly plan. Not available. Bank transfer is offered only for New Zealand dollar accounts on one-time and annual purchases.

Can I prepay or hold a credit? No. There is no balance or wallet in the product. Annual billing is the closest equivalent.

I removed the only card and now a renewal is due. Add a card immediately and use Retry payment now on the subscription. Nothing is lost while the subscription is in the retry window.