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What happens when a payment is declined

When a customer’s payment gets declined or fails, Whop takes several steps to try and recover the payment:
  • The subscription status changes to Past due: This means the payment needs attention, but doesn’t immediately cancel access
    • You can view Past due payments by going to Dashboard > Payments, clicking Status and selecting only Past due
  • We email the customer: Your customers receive emails prompting them to update their payment information
  • We retry the payment: Whop automatically retries the charge over a 5-day period
  • Access may be temporarily paused: Depending on your settings, your customer might lose access to your whop until the payment goes through
    • Go to Dashboard > Settings > Checkout and choose whether you want members to have Access while past due or not
  • Subscription is canceled: If the payment still fails after 5 days, the subscription is canceled automatically

For merchants — how to fix a declined payment

When a payment is declined, you can help the customer update their payment method and manually retry the payment from your dashboard.

Step 1: Ask the customer to update their payment method

  • Contact the customer to confirm they have sufficient funds and a working payment method
  • To update their payment method, ask them to follow these steps:
    1. Go to https://whop.com/@me/settings/memberships/inactive
    2. Click the card button on the affected subscription
    3. Select Update payment
    4. Add the new card details and save

Step 2: Manually retry the payment from your dashboard

  1. Go to Dashboard > Payments
  2. Click Status and select only Failed
  3. Select the failed payment
  4. Click Retry payment
When the payment processes successfully, Whop restores the customer’s access automatically.

For customers — how to fix a declined payment

If one of your subscription payments has failed:
  1. Go to whop.com/@me/settings/memberships.
  2. Sign in with your email.
  3. Click Inactive.
  4. Click the subscription that failed.
  5. Select Update Payment Method and enter your new billing information.
  6. Retry the payment. When it succeeds, you’ll see a confirmation on the page.