Failed Payments and Access Changes

Sometimes payments don't go through. This page explains what happens when a payment fails, how PayBru handles the grace period, and what you can do to resolve it.

Why Payments Fail

Common reasons for a failed payment include:

• Insufficient funds in your account.
• Expired card or outdated payment details.
• Bank declines due to security rules or spending limits.
• Technical issues with your bank or Paystack.

What Happens When a Payment Fails

When PayBru cannot process your recurring payment via Paystack, the following sequence occurs:

1. Immediate notification - you receive an email or in-app alert informing you of the failure.
2. Grace period begins - your membership status changes to PastDue, and you retain access to your membership content for 3 days.
3. Manual recovery required - you must update your payment method and retry the payment yourself. There is no automatic retry during the grace period.
4. Access revocation - if payment is not resolved within 3 days, your membership status changes to Ended, access to gated content is removed, and Discord roles are revoked.

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PayBru does not automatically retry failed payments. You must update your payment method and retry manually to avoid losing access.

Grace Period

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PayBru provides a 3-day grace period after a failed payment. During this window, your membership status is PastDue and you retain full access to membership content.

The 3-day grace period gives you time to:

• Check why the payment failed (insufficient funds, expired card, etc.)
• Update your payment method in your account settings
• Manually retry the payment

After 3 days without successful payment, your membership status moves to Ended and all access is revoked, including Discord roles.

How to Recover a Failed Payment

Since there are no automatic retries, you need to take action yourself:

1. Go to your Account Settings.
2. Navigate to Billing or Payment Methods.
3. Update your payment details if needed (new card number, expiry date, etc.).
4. Retry the payment to restore your membership.

If the retry succeeds, your membership returns to Active status with no interruption in access.

Access Revocation

If payment is not resolved after the 3-day grace period:

• Your membership status changes to Ended.
• You lose access to all gated content for that creator.
• Your Discord roles for that membership are removed automatically.
• You are not charged further.

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To regain access after revocation, simply resubscribe to the creator's tier. You will need to make a new payment to restart your membership.

Membership Status Flow

Status	Meaning
Active	Payment successful, full access
PastDue	Payment failed, within 3-day grace period, access retained
Ended	Grace period expired or membership reached its end, access revoked
Canceled	Member cancelled, access continues until end of paid period

Notifications

PayBru sends notifications at key stages:

• When a payment fails (with instructions to update your payment method).
• Before access is revoked (as the grace period nears its end).

Check your email and in-app notifications regularly to stay on top of any payment issues.