Payment failed: what happens and how long you have
A failed charge does not cut you off mid-trade. You get a 3-day grace period while Stripe retries the card. Here is how you find out, what keeps working, and what to do.
How you find out
Three signals, all at once:
- An e-mail with the subject "Your MirrorFill payment failed".
- The plan chip at the bottom of the sidebar shows your plan in amber, with Payment failed. Update your card. under it.
- Settings → Subscription shows a warning: "Your last payment failed. Update your card to avoid losing access."
The 3-day grace period
While the grace period runs, everything keeps working: copying, risk limits, the journal. Stripe retries the card on its own schedule during this window, so an expired-card hiccup often resolves itself once you update the card.
One honest note: our grace window is deliberately shorter than Stripe's full retry schedule. This product can place live orders on your accounts. We would rather stop copying on an unpaid account too early than keep trading on one too long.
Fixing it
Open Settings → Subscription → Manage billing and update the payment method in the Stripe portal. When a retry succeeds, your subscription returns to normal, with no reactivation step and nothing to re-enable.
If the grace period has already ended, Settings is not available until a payment goes through. Open Overview instead: step 1 shows an Update payment button that takes you to the same Stripe portal, and the plan chip in the sidebar reads Payment failed. Update your card on Overview. The plan chooser does not offer a second subscription meanwhile: its plans wait behind "Update payment first".
If the grace period ends without a successful payment, access ends until a payment goes through. A copier that is still running stops on its own within about a minute. It is an ordinary stop: open positions stay open at your broker (close them there if you need to be flat), and the copier-stopped alert tells you it happened. Nothing is deleted: your connections, copy rules, and journal are all still there when the card is fixed, exactly as described in plans and account limits.
Quick answers
Does copying stop the moment a charge fails?
No. Access continues through the 3-day grace period while Stripe retries the card.
Do I need to do anything after updating the card?
No. Once a retry succeeds, the subscription is back to normal automatically.
What happens after the grace period?
Access ends until a payment succeeds, and a copier that is still running stops within about a minute, leaving open positions open at your broker. Your configuration and journal data are kept, not deleted. Your Overview page shows an Update payment button that opens the card update.