A Payment Failed

If a Speako payment has failed, here's how to understand what happened and resolve it quickly to avoid service disruption.

How to find out a payment failed

You'll be notified by:

  • A Billing category notification in your dashboard Notification Center.
  • The Billing page showing an alert or changed subscription status.
  • Potentially an email to your account's primary email address.

Common reasons payments fail

  • Expired card — your credit or debit card has passed its expiry date.
  • Insufficient funds — your card was declined at the time of the charge.
  • Card replaced — you received a new card with a different number (e.g. after loss or theft) and haven't updated Speako.
  • Bank decline — your bank blocked the transaction (some banks flag new subscription charges as suspicious).
  • Billing address mismatch — the billing address on file doesn't match your bank's records.

How to resolve

Step 1: Go to Billing Go to Dashboard → Billing.

Step 2: Check your subscription status If the subscription shows as past due or suspended, the payment has failed and needs to be resolved.

Step 3: Update your payment method Click Manage on the Payment Method card. This opens the secure payment portal where you can update your card details or add a new card.

Step 4: Confirm payment After updating your card, the system may automatically retry the failed payment. If not, you may need to confirm the retry from the billing page or contact support.

Step 5: Verify subscription is active Return to the Billing page and confirm your subscription shows as Active. If it does, the payment has been successfully resolved.

What happens to your service during a failed payment?

Speako typically allows a grace period before restricting service after a payment failure. However, if multiple retries fail over a period of days, your subscription may be suspended. The AI may stop answering calls if the account is suspended.

Resolve payment issues as quickly as possible to avoid any interruption.

⚠️ Important: Don't wait on a payment failure notification. Resolve it within 24 hours to prevent any impact on your AI receptionist's call handling.