> ## Documentation Index > Fetch the complete documentation index at: https://docs.mightynetworks.com/llms.txt > Use this file to discover all available pages before exploring further. # What Happens When Members Are Past Due on Their Payments? If [payments are enabled](https://docs.mightynetworks.com/for-hosts/payments-and-access/how-do-i-create-a-plan) in your Mighty Network and at least one of your Plans is a **subscription** or [Installment Plan](https://docs.mightynetworks.com/for-hosts/payments-and-access/how-do-i-set-up-installment-plans-and-subscription-intervals-and-subscription-intervals), members will have a **card on file** that’s automatically charged when their payment renews. Members on **annual subscriptions** receive an email reminder **30 days before renewal**. For **monthly subscriptions**, renewal information is included directly in the payment confirmation email members receive each billing cycle—so they always have visibility into their upcoming charge. If a card expires or a payment fails, the member enters a **Past Due** state. During this time, our system automatically prompts them to update their card information—you don’t need to follow up manually. ## How Past-Due Members Are Prompted to Update Card Details When a payment fails, the **grace period** begins. During the grace period: * The member is marked **Past Due**, visible in **Admin > Plans & Access > Plan List** under the affected Plan. * You can view all past-due members at **Admin > Plans & Access > Past Due Members.** * When the member signs in, a **banner** appears along the bottom of the screen prompting them to update their card details. The banner links directly to the page where they can do so. ## Grace Periods by Platform **Web (Stripe Payments):** * The grace period lasts **7 days**. * Mighty Networks automatically sends **three reminder emails** prompting the member to update their payment information. * These reminders are spaced throughout the grace period using machine learning to optimize timing. * Stripe retries the failed payment automatically—once after one day, and then every two days until day seven. [](/images/for-hosts/payments-and-access/what-happens-when-members-are-past-due-on-their-payments/7325444162189) **Free Trial Members:** * Members on a [Free Trial](https://docs.mightynetworks.com/for-hosts/payments-and-access/can-i-offer-a-free-trial-on-a-mighty-network) follow the same **7-day grace period** process. **iOS (Apple Payments):** * The grace period lasts **16 days**. * Apple handles all billing notifications directly through the **App Store**. ## What Happens When a Past-Due Payment Is Resolved When the member updates their card and the payment succeeds: * The charge is processed immediately. * The member’s **billing cycle** stays the same—their next renewal date does not change. ## What Happens When a Past-Due Payment Isn’t Resolved If the member doesn’t update their payment information within the grace period: * They **lose access** to the Plan on **day seven** (or **day 16** for iOS purchases). * To regain access, they’ll need to purchase the Plan again and update their card details during checkout. ## What Happens If a Past-Due Member Cancels Their Plan If a member cancels their Plan while it’s in a **Past Due** state, the cancellation is **immediate**, and they’ll lose access to that Plan right away. ## What Does “Pending Payment” Mean? “Pending Payment” can indicate: * The member started checkout but didn’t complete it. * Their card requires **[Strong Customer Authentication (SCA)](https://stripe.com/guides/strong-customer-authentication)** approval from their bank. ## What Is Strong Customer Authentication (SCA)? **Strong Customer Authentication (SCA)** is a **[European regulatory requirement](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=uriserv%3AOJ.L_.2018.069.01.0023.01.ENG\&toc=OJ%3AL%3A2018%3A069%3ATOC)** designed to reduce fraud and make online payments more secure. SCA applies to **new card purchases online**, not recurring subscription renewals. Banks must decline payments that require SCA if they aren’t properly authenticated. ## What Happens When You Move a Member and Their Payment Fails If you move a member to a **Paid Plan** and the payment fails, here’s what happens: * The **member** receives an email, in-app message, and (if enabled) a mobile push notification that says: * *“Action Required: Your Host switched your Plan but payment didn't process. Please update your billing info ASAP. Once you do, you’ll be moved and refunded as needed.”* * The member has **7 days** to update their billing information before the Plan move is canceled. * You as the **Host** receive an email, in-app message, and (if enabled) mobile push notification that says: * *“**\[Member Name]** needs to update their billing information for **\[Plan Name]**. Once their billing information is updated, they’ll be subscribed to **\[New Plan Name]**.”* * If the move required **SCA verification**, the member also receives: * *“Action Required: Please verify your billing information for your move to **\[New Plan Name]**. Once verified, you’ll be subscribed.”* * If the member doesn’t update their billing info in time, the **Plan move is canceled**, and you’ll receive a notification confirming the cancellation. ## Extended Grace Period for End-of-Cycle Moves If you moved the member at the **end of their billing cycle** and they don’t update their payment information, they get an **additional 7 days** on their previous Plan—creating a total **14-day grace period** before removal.