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Adding a payment method

When you upgrade or convert from trial, here's how Stripe collects your card.

When you'd use this​

You're ready to pay — your trial is ending or you're picking a paid tier from the start. Or you need to change the card on file because the old one expired.

A payment method is added as part of upgrading or starting a subscription. There's no separate "save a card without upgrading" flow today.

What Mintoor accepts​

  • Credit and debit cards via Stripe: Visa, Mastercard, American Express, Discover, JCB, Diners Club, UnionPay.
  • Apple Pay and Google Pay via Stripe Checkout — fastest way to add a card on mobile.
  • ACH (US bank transfer) — available on the Crew tier by request. Saves 3% vs. credit card fees.
  • Invoice billing (annual only) — available for Crew-tier customers paying annually. Your company gets an invoice, you pay on terms. Email us to set up.

Steps (card or wallet)​

  1. Profile → Subscription → Payment method.
  2. Click Add card (or Apple Pay / Google Pay on mobile).
  3. You're sent to Stripe Checkout — a secure hosted page managed by Stripe, not Mintoor. Fill in card details or tap a digital wallet.
  4. Click Pay and save. Stripe tokenizes the card and returns you to Mintoor.
  5. You're billed immediately if your trial has already ended, or on the trial-end date if it hasn't.

Steps (ACH, Crew only)​

  1. Email hello@mintoor.com with "ACH setup" in the subject.
  2. We send a secure Stripe ACH link.
  3. You verify your bank with two micro-deposits (1–2 business days).
  4. Your account auto-drafts on billing dates.

Card expiration​

Stripe automatically pre-notifies you 30 days before your card expires. You can update anytime via Profile → Subscription → Payment method → Update card. If a card expires without replacement, the charge fails and you'll get a dunning email with a 7-day window to update before access is suspended.

Security​

  • Mintoor never stores your card number. Everything goes through Stripe's PCI-compliant infrastructure. We only store the last 4 digits and expiration for display.
  • 3D Secure is enforced for cards that require it — you may see a bank verification screen on first add.
  • Changing cards on an existing subscription doesn't create a new charge — Stripe just updates the card on file.

Still stuck?​

  • Card declined? Check with your bank first — often it's a fraud flag because Mintoor is an unfamiliar merchant. Most banks unlock after one call.
  • Stripe Checkout isn't loading? Try a different browser or disable aggressive ad-blockers (uBlock Origin sometimes blocks Stripe iframes).
  • Still no luck? Email us with a screenshot and we'll diagnose.