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Payment methods

FSM Navigator® uses a secure, hosted checkout for all payment processing. Your card or bank details are never stored on FSM Navigator servers — they are handled entirely by our PCI-compliant payment provider. This guide covers the methods we accept, updating your payment information, handling failures, and accessing your invoice history.

Accepted payment methods

Payment method Supported
Visa ✅
Mastercard ✅
American Express ✅
US bank account (ACH direct debit) ✅

Which of these you're offered depends on what you're doing:

  • Starting a free trial, or starting a paid subscription. A credit or debit card is required. We collect a card up front so your plan is active the moment you confirm.
  • Ending a trial early and moving onto a paid plan. The checkout page offers a US bank account alongside card.
  • Changing the payment method on a subscription you already have. Both are offered — see Update your payment method below.

All prices in USD

All subscription charges are billed in US dollars (USD). Bank payments run on the US ACH network, so they need a US bank account.

Bank payments take a few days to clear

A card charge confirms in seconds. A bank payment is submitted to your bank and normally clears in a few business days, so the invoice stays open until the money arrives. If your bank rejects the debit, the invoice goes back to unpaid and you'll need to pay again.

Add a payment method

When you first upgrade from the Free plan, you are prompted to add a payment method during checkout.

  1. Go to Settings → Subscriptions and click Change plan.
  2. Select your desired plan and billing cycle.
  3. Click Proceed to checkout.
  4. You are redirected to a secure checkout page hosted by our payment provider.
  5. Enter your card number, expiration date, and CVC.
  6. Click Pay to complete the transaction.
  7. You are returned to FSM Navigator with your new plan active.

Secure card entry

Your card details are entered on a secure page hosted by our payment provider. FSM Navigator never sees, stores, or processes your full card number.

Update your payment method

You can replace an expiring card, or switch between a card and a US bank account, without changing your plan.

  1. Go to Settings → Subscriptions.
  2. Find the Payment Method card and click Update payment method.
  3. The button changes to Opening Stripe… and you are sent to a secure page hosted by our payment provider.
  4. Choose Card or US bank account, enter the details, and confirm.
  5. You are returned to the Subscriptions page and a green message confirms the new method was saved.

If you close the payment page without finishing, you come back to an amber message telling you nothing changed, and your old method is still in place.

Bank accounts are verified first

A bank account has to be verified before it can bill your subscription. Verification is instant with some banks and takes a few business days with others. Your existing payment method keeps billing your subscription until the new one is verified, so nothing is interrupted while you wait.

Update before renewal

If your current card is expiring soon, update your payment method before your next billing date to avoid a failed payment.

If you are still on the Free plan there is nothing to update yet — you add a payment method when you first subscribe.

Changing the payment method is reserved for the account owner, and it is one of the actions our support staff cannot carry out on your behalf — only someone signed in as the owner of your account can do it.

Switching to ACH after your trial ends

A trial always starts on a credit or debit card — that is the only method the signup checkout offers. So if you want your subscription billed to a US bank account instead, it is a change you make after your trial converts, not during signup. The sequence looks like this:

  1. During the trial — your card is on file and $0 has been charged.
  2. Your trial ends — the subscription converts to paid and the first invoice is charged to that card.
  3. Switch to a bank account — go to Settings → Subscriptions → Payment Method, click Update payment method, and pick US bank account on the payment page.
  4. The bank account is verified — instant with some banks, a few business days with others.
  5. Billing moves across — your card keeps paying the subscription until verification finishes. Once the bank account is verified, it becomes the method future invoices are charged to.

You do not need to time this around your renewal date. Because the card stays live through the verification window, nothing lapses if a renewal falls in the middle of it.

Want ACH sooner?

If you end your trial early and move onto a paid plan, that checkout page offers a US bank account alongside card — so you can start on ACH rather than switching later. See Upgrading and downgrading.

Auto-renewal

Your subscription renews automatically at the end of each billing period:

  • Monthly plans renew on the same date each month.
  • Annual plans renew on the anniversary of your subscription start date.

At renewal, FSM Navigator charges the payment method on file for the upcoming period. You receive an invoice by email and a copy is available under Settings → Subscriptions → Billing History.

To stop auto-renewal, downgrade to the Free plan. Your paid features remain active until the end of the current billing period.

Payment failure handling

If a payment fails at renewal, FSM Navigator follows a structured recovery process to give you time to resolve the issue.

Grace period

When a payment fails, your account enters a grace period of 1 day:

  1. Payment fails — You receive an email notification that your payment could not be processed.
  2. Grace period begins — Your account continues to operate normally during the grace period.
  3. Warning notification — A follow-up warning email is sent 12 hours before the grace period ends.
  4. Grace period expires — If the payment is still not resolved, your account is downgraded to the Free plan.

Common reasons for payment failure

Reason Solution
Insufficient funds Ensure your card has enough available balance
Expired card Update your payment method with a current card
Bank declined Contact your bank to authorize the charge, then retry
Incorrect card details Re-enter your details from Settings → Subscriptions → Payment Method

Act quickly

You have a limited grace period to resolve payment issues. Update your payment method as soon as you receive a failure notification to avoid an automatic downgrade.

Retry a failed payment

After updating your payment method during the grace period:

You have two ways to settle it, and you can use either.

Pay the invoice directly. Go to Settings → Subscriptions → Billing History. Any invoice still carrying a balance shows a Pay button in its last column. Click it and you are sent to a secure page hosted by our payment provider, where you can pay by card or from a US bank account. Invoices that are already settled show a dash instead — there is nothing to pay.

Or just update the payment method. Once a valid card or verified bank account is on file, the outstanding charge is collected automatically and your account returns to normal operation.

Either way, you can watch the invoice move to Paid under Settings → Subscriptions → Billing History.

Invoice history and receipts

All invoices are available for download as PDF files for your bookkeeping.

View invoices

  1. Navigate to Settings → Subscriptions → Billing History.
  2. You see a table of all your invoices with a column for each of:
    • Invoice #
    • Date
    • Amount
    • Status — Paid, Pending, Overdue, Partially Paid, Refunded or Void
    • Period — the billing period the invoice covers
    • Download
    • Pay — a Pay button appears only on invoices that still have money owing on them

Pay an outstanding invoice

If an invoice still has a balance, use the Pay button on its row in Billing History.

  1. Click Pay. Any available account credit is applied to the invoice first.
  2. If credit does not cover the whole balance, you are taken to Stripe Checkout for the remainder only — never the original amount.
  3. If your credit covers the balance in full, the invoice is settled immediately and you are not taken to Stripe at all. A confirmation appears above the table and the invoice moves to Paid.

Your credit is spent before your card is

Credit is always applied before a payment is taken, so you are never charged for an amount your account credit already covers. Any credit left over stays on your account for future invoices.

Download a receipt

  1. Open Settings → Subscriptions → Billing History and find the invoice you need.
  2. Click the PDF button in its Download column.
  3. The PDF includes your company name, invoice line items, taxes, and payment confirmation — suitable for expense reports and tax records.

Email receipts

A receipt is also sent to the account owner's email address after each successful payment.

Frequently asked questions

Is my payment information secure?

Yes. FSM Navigator never stores your full card number or your bank account number. All payment details are processed through a PCI-compliant payment provider on a secure, hosted checkout page.

Can I pay by bank transfer?

Yes. Go to Settings → Subscriptions → Payment Method → Update payment method and choose a US bank account (ACH) instead of a card; the same choice is offered when you end a trial early and move onto a paid plan. Starting a trial and starting a paid subscription both require a card up front. Invoice-based billing is not currently available.

What happens if I don't update my card before renewal?

If your card on file is declined at renewal, your account enters a grace period. You receive email notifications prompting you to update your payment method. If the payment is not resolved within the grace period, your account is downgraded to the Free plan.

Can I get a refund?

Cancelling your subscription does not issue a refund. Your plan stays active until the end of the period you have already paid for, then moves to the Free plan. Refunds and credits are issued only case by case, at our discretion. If you think you were charged in error, contact support.

What happens to my account if my subscription payment is refunded in full?

A full refund ends your paid subscription straight away. It is cancelled so you are not charged again, and your account moves to the Free plan at once. Your original Owner and your most recently added Owner stay active, every other user is deactivated, and the Owners who stay active receive an email explaining the change. A partial refund does not change your plan. To return to a paid plan, choose a plan on your Subscriptions page.

Why was I charged a different amount than expected?

If you changed plans or added users mid-cycle, your invoice may include prorated charges. Review the invoice line items under Settings → Subscriptions → Billing History for a detailed breakdown.