A failed renewal is almost always a bank-side decline: an expired card, a new card number, a spending limit, or a 3D Secure challenge that was not completed. Nothing on your account is deleted when this happens.
What happens in order:
- The charge is attempted on the renewal date and declined.
- Stripe retries automatically over the following days on its standard schedule.
- Credit-spending actions - reveals, exports, list checks - pause while the invoice is unpaid. Searches, counts and previews keep working.
- Once any retry succeeds, or you pay the open invoice yourself, the plan resumes and the new cycle's credits are granted.
To fix it immediately rather than waiting for a retry:
- Open Profile → Billing.
- Look in Billing history for the line marked 'due'.
- Click 'Manage billing', update the card, and settle the open invoice from the Stripe portal.
Screenshot: Billing history with an open invoice marked due
If your agents are running unattended, a failed payment shows up as a 402 response with a link to fix it, and the CLI exits with code 5. Wallet credits, if you have any, keep working throughout, because they are prepaid and independent of the subscription.
If the card is fine and the charge still fails, your bank is blocking it. Ask them first, then support@argorant.com.