Payment Methods - Secure Payment & Billing Information | Nife

Manage your payment information securely and keep your billing up to date.

Updating Your Payment Method#

Why Update Payment Method?#

Update when:

  • Card Expiring: Current card expires soon
  • New Card: Got a new credit card
  • Card Lost: Previous card lost or stolen
  • Payment Failed: Ensure payment succeeds
  • Different Payment: Want to use different method

How to Update Payment Method#

Step-by-step Process:

  1. Go to Billing & Subscriptions

    • Navigate to Settings
    • Select Billing & Subscriptions
    • Scroll to Upcoming Invoice section

  2. Click Update Payment Method

    • Button located in Upcoming Invoice card
    • Opens payment update dialog
    • Shows secure payment form

  3. Enter Payment Details

    • Card number (16 digits)
    • Card holder name
    • Expiration date (MM/YY)
    • CVC/CVV code (3-4 digits)
    • Billing address

  4. Confirm Update

    • Click "Update" button
    • System validates payment info
    • Confirmation message appears
    • Email confirmation sent

  5. Payment Method Updated

    • New method stored securely
    • Used for next billing cycle
    • Previous method removed
    • Billing continues normally

Payment Methods Accepted#

Credit Cards#

Supported Cards

  • ✅ Visa
  • ✅ Mastercard
  • ✅ American Express
  • ✅ Discover

Card Information Required

  • Card number
  • Card holder name
  • Expiration date
  • Security code (CVC/CVV)
  • Billing address

Card Processing

  • Secure SSL encryption
  • PCI DSS compliant
  • Tokenized payment
  • No data stored locally

Digital Payment Methods#

PayPal

  • Direct PayPal account
  • PayPal balance or linked card
  • PayPal credit available
  • Buyer protection included

Apple Pay (if available)

  • Saved payment method
  • Biometric authentication
  • Secure token
  • Quick payment

Google Pay (if available)

  • Google Wallet integration
  • Stored payment methods
  • One-click payment
  • Secure authentication

Upcoming Invoice & Payment#

Understanding Upcoming Invoice#

The Upcoming Invoice card shows:

Subtotal

  • Base service cost
  • Monthly plan fee
  • Pro-rated charges
  • Before tax

Tax

  • Sales tax applied
  • Based on billing location
  • Calculated automatically
  • Itemized separately

Total

  • Final amount charged
  • Subtotal + tax
  • What will be billed
  • Next billing date

Next Payment Date

  • When payment will occur
  • Coincides with renewal date
  • Automatic charge
  • Advance notice provided

Payment Timeline#

Example Timeline:

Today: May 15
Next Billing: June 15
Invoice Generated: June 10
Payment Charge: June 15
Statement Delivery: June 15

Before Payment Occurs#

7 Days Before

  • Reminder email sent
  • Invoice preview available
  • Time to update payment
  • Address any concerns

3 Days Before

  • Second reminder sent
  • Final notice
  • Ensure payment method valid
  • Update if needed

On Due Date

  • Automatic charge processed
  • Immediate confirmation email
  • Invoice delivered
  • Account updated

Managing Billing Information#

Current Billing Address#

Stored Information

  • Your registered address
  • Used for tax calculation
  • Matches payment card
  • Displayed on invoices

Updating Address

  1. Go to Account Settings
  2. Select Billing Address
  3. Update address details
  4. Save changes
  5. Confirm update

Company Information (if applicable)#

Business Billing

  • Company name
  • Business address
  • Tax ID/VAT number
  • Billing contact

Payment Issues & Troubleshooting#

Payment Failed#

Common Reasons:

  • Insufficient Funds: Account balance too low
  • Expired Card: Card expiration date passed
  • Incorrect Info: Wrong card number or CVC
  • Fraud Block: Bank flagged transaction
  • Connectivity: Payment gateway error

How to Fix:

  1. Check Card Status

    • Verify card not expired
    • Confirm card active
    • Check account balance
    • Contact card issuer if needed

  2. Update Payment Method

    • Go to Billing
    • Click "Update Payment Method"
    • Enter correct information
    • Confirm update

  3. Retry Payment

    • System retries automatically
    • Wait 1-2 hours
    • Or retry manually in dashboard
    • Check confirmation email

  4. Contact Support

    • If payment still fails
    • Provide error message
    • Submit payment details
    • Get assistance
warning

Failed payments may result in service suspension. Update your payment method immediately!

Card Declined#

When Card is Declined:

  • Payment fails immediately
  • Email notification sent
  • Service continues (for now)
  • Update payment method required

Why Card Might Decline:

  • Insufficient funds
  • Card expired
  • Invalid card number
  • Bank fraud detection
  • Billing address mismatch

Solution:

  1. Verify card details
  2. Check card expiration
  3. Confirm billing address
  4. Update payment method
  5. Retry payment

Duplicate Charges#

If Charged Twice:

  1. Don't Panic

    • Verify charge actually occurred
    • Check both statements
    • Wait for processing
    • Duplicate may be pending only

  2. Contact Support Immediately

    • Provide invoice numbers
    • Show duplicate charges
    • Include dates and amounts
    • Submit screenshots

  3. Refund Process

    • Support investigates
    • Confirms duplicate
    • Issues refund
    • Timeline: 5-7 business days

Payment Security#

How We Protect Your Payment#

Encryption 🔐

  • SSL/TLS encryption
  • Industry standard security
  • Secure data transmission
  • End-to-end protection

Compliance ✅

  • PCI DSS Level 1 compliant
  • Highest security standards
  • Third-party audited
  • Regular security checks

Data Protection 🛡️

  • No card data stored
  • Tokenized payments
  • Secure payment gateway
  • Limited access to data

Fraud Prevention 🚨

  • Advanced fraud detection
  • Real-time monitoring
  • Suspicious activity alerts
  • Account protection

What We Store#

We Do NOT Store:

  • ❌ Full card numbers
  • ❌ CVV/CVC codes
  • ❌ Card PINs
  • ❌ Sensitive financial data

We DO Store:

  • ✅ Last 4 digits (for reference)
  • ✅ Card brand (Visa, Mastercard, etc.)
  • ✅ Expiration month/year
  • ✅ Billing address
  • ✅ Cardholder name

Payment Receipts & Records#

Email Receipts#

Automatic Emails Sent:

  • Payment confirmation
  • Invoice attached
  • Receipt for records
  • Tax documentation

When Received:

  • Immediately after payment
  • Same day as billing
  • Archive in email
  • Save for records

Downloading Receipts#

To Download Payment Receipt:

  1. Go to Billing History
  2. Find the invoice
  3. Click "Download" button
  4. PDF saves to computer
  5. Use for accounting

Refunds & Disputes#

Refund Eligibility#

Refunds Available For:

  • Duplicate charges
  • Billing errors
  • Service not delivered
  • Unauthorized transactions
  • Plan cancellation (within period)

Refund Timeline:

  • Processing: 5-7 business days
  • Bank processing: 2-5 business days
  • Total: 7-12 business days
  • Status updates via email

How to Request Refund#

Step-by-step:

  1. Prepare Information

    • Invoice number
    • Amount of charge
    • Reason for refund
    • Screenshots/proof

  2. Contact Billing Support

  3. Support Reviews

    • Investigates claim
    • May request more info
    • Reviews transaction
    • Makes determination

  4. Refund Issued

    • If approved, refund processed
    • Original payment method used
    • Confirmation email sent
    • Funds appear in account

Payment Methods Best Practices#

  1. Keep Card Current: Update before expiration
  2. Valid Address: Billing address matches card
  3. Sufficient Funds: Ensure funds available
  4. Check Emails: Monitor payment confirmations
  5. Save Receipts: Download and archive
  6. Review Statements: Verify charges monthly
  7. Secure Details: Never share card info
  8. Contact Support: Report issues immediately

FAQ: Payment Methods#

How often will I be charged?

  • Monthly on the same date as signup
  • Automatic renewal unless cancelled
  • Pro-rated for partial months

Can I change payment date?

  • Contact billing support
  • May be possible depending on plan
  • 5-7 business days to process

Is payment information secure?

  • Yes, PCI DSS Level 1 compliant
  • SSL encryption
  • No sensitive data stored

What if payment fails?

  • System retries automatically
  • Service continues for 3 days
  • Update payment method immediately

Do you offer payment plans?

  • Contact sales for custom arrangements
  • Enterprise customers only
  • Custom billing available

Payment Management Summary#

Effectively managing your payment methods ensures:

  • Continuous service without interruption
  • Smooth billing cycles
  • Secure transaction processing
  • Up-to-date payment information
  • Quick resolution of payment issues

Payment Methods Quick Reference#

Payment TypeProcessing TimeSecurityBest For
Credit CardsInstantPCI DSSPrimary payments
PayPalInstantHighAlternative option
Digital WalletsInstantVery HighQuick payments

Payment Best Practices Summary#

Best practices for managing payments:

  1. Keep card information current
  2. Update before expiration
  3. Use strong billing addresses
  4. Monitor confirmation emails
  5. Check statements regularly
  6. Report issues immediately
  7. Maintain backup payment method
  8. Save payment receipts

Next Steps#