> ## Documentation Index
> Fetch the complete documentation index at: https://docs.typewise.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment & auto-charge

> Add or update your card, control automatic overage charging, and understand payment banners.

Add a card to activate a paid plan and to pay your invoices automatically. This
page covers the payment method, the auto-charge setting, and the banners that
appear when payment needs attention.

## Add or update your card

<Steps>
  <Step title="Open Billing">
    Go to the **Plan & limits** tab on
    [Billing](https://platform.typewise.app/billing).
  </Step>

  <Step title="Start the card flow">
    Click **Add payment method** (or **Edit payment method** if you already have
    a card). Typewise opens a secure checkout or billing portal to capture or
    update the card.
  </Step>

  <Step title="Add billing details">
    Enter your card and billing address. You can also provide a tax ID when
    prompted. Your billing country sets the currency on your invoices.
  </Step>

  <Step title="Return to the platform">
    After saving, you return to the billing screen, which now shows the card on
    file.
  </Step>
</Steps>

<Info>
  Card details are handled by our payment provider. Typewise never stores your
  full card number.
</Info>

<Note>
  Adding a card during a free trial does not start your plan early or charge you
  anything. You keep the rest of your trial days, and your account converts to a
  paid plan on the day the trial ends.
</Note>

## Automatic overage charging

The **Automatically charge for overages** toggle controls how usage beyond your
included amount is handled. The setting persists after you reload the page.

* **On**: Typewise charges overages to your card. When Nova (AI Operator)
  credits run low, it can automatically top up by buying the smallest credit
  pack that covers the shortfall.
* **Off**: Nova credit usage and seat invites are blocked once you reach the
  allowance (even if a card is already on file). Resolutions still work as
  pay-as-you-go and are billed on your next invoice.

<Note>
  Automatic top-up applies to Nova (AI Operator) credits only. It does not buy
  resolution packs or add seats for you. Because it buys a whole credit pack,
  the smallest top-up charge is **\$10**.
</Note>

<Warning>
  This setting does not apply during a free trial. Trial usage is never
  billable, so the trial allowance is a hard stop whichever way the toggle is
  set and whether or not you have added a card. Activate a plan to go beyond it.
  See [When the trial
  ends](/documentation/billing/free-trial#when-the-trial-ends).
</Warning>

## Payment banners

Typewise shows a banner or message when your payment needs attention. Most are
informational; a few block access until resolved.

| Banner                     | Meaning                                  | What to do                                |
| -------------------------- | ---------------------------------------- | ----------------------------------------- |
| Trial ending soon          | Your trial is almost over                | Activate a plan before it ends            |
| Trial ended, no card       | The trial finished without a paid plan   | Click **Select plan** and activate a plan |
| Past due                   | A payment did not go through             | Update your billing details               |
| Critically past due        | Suspension is approaching                | Update billing to avoid suspension        |
| Payment needs confirmation | Your bank needs an extra step            | Open the link and complete the payment    |
| Unpaid invoice, no card    | An invoice is open with no card          | Add a payment method                      |
| Suspended                  | The account is suspended for non-payment | Update billing to reactivate              |

<Warning>
  Do not leave a past due banner for long. The AI Operator is turned off once a
  payment has been outstanding for more than **7 days**, well before the account
  is suspended.
</Warning>

See [Invoices](/documentation/billing/invoices#failed-payments) for what happens
across the days after a failed payment.

## Related

* [Free trial](/documentation/billing/free-trial): activate by selecting a plan
* [Invoices](/documentation/billing/invoices): upcoming and past invoices
* [Add-ons & seats](/documentation/billing/add-ons): prepaid credit packs
* [Ending your plan](/documentation/billing/cancellation): stop renewing or
  terminate