This guide outlines the standard procedure for paying your BusinessChat subscription invoices and provides a diagnostic path for resolving payment failures when your card has sufficient funds.
1. How to Pay the BusinessChat Outstanding Invoices
1.1. Automatic Withdrawal & Retries:
The system is designed to withdraw the bill amount from your connected card automatically. If a transaction fails (e.g., due to insufficient funds), you will need to add funds and proceed with a manual payment.
Note on Notifications: It is normal to receive multiple "Payment Failed" messages. The system will continue attempting to withdraw the funds automatically for a 4-day dunning period before the account is suspended.
NOTE
A banner will be displayed at the top of your BusinessChat account page to alert you to pending BusinessChat bills. It will remain visible for 3 days after after the bill's issue date.
1.2. Manual payment
If you have an overdue invoice for your BusinessChat subscription, you can manually settle it by following these steps:
Log in to your BusinessChat account and click on your Profile Picture at the bottom of the page.
Select Manage Subscriptions from the menu.
Choose the Billing history.
4. Click the Pay Now button.
5. Click Pay now again
6. Follow the on-screen instructions to complete the payment process.
You will get a popup with the message for a sucessful payment if the payment went through. If you got a failure message instead, follow the troubleshooting steps.
2. How to Add or Edit Payment Methods on a BusinessChat account
Only the Account Owner, Admins, or Users granted "Subscription Management" permissions can add or change the payment method associated with your BusinessChat account.
To add or change a payment method to a BusinessChat account, follow these steps:
Log in to your BusinessChat account.
Click on your Profile Picture located in the bottom right corner.
Select Manage Subscriptions from the menu.
In the popup window, click on the Payment Methods option.
Click on the currently displayed payment method.
Select Edit Payment Method.
Fill in the required information for the new payment method and click Update.
Important Notes:
Deletion Policy: You cannot delete a payment method from the BusinessChat platform until you have added a new one.
Manual Deletion: Payment methods are not deleted automatically; you must remove the old one manually after adding the new one.
Multiple Cards: If you have more than one card added to BusinessChat, the system will automatically withdraw funds from the card designated as "Main" (Primary).
3. How to Export BusinessChat Subscription Invoices
BusinessChat issues periodic invoices for your account subscription. You can track or export these invoices directly from the platform.
T export a BusinessChat Invoice, follow these steps:
Click on your Account Profile Picture and select Manage Subscriptions.
From the popup window, click on Billing History.
Select the specific invoice you wish to download and click Download. The file will be saved directly to your device.
Understanding Invoice Amounts: If you notice your invoice amount is higher than your standard subscription cost, there are two likely reasons:
Usage Fees: The invoice may include costs for conversation consumption that exceeded your free limit. You can verify this by downloading the invoice and checking the usage breakdown. BusinessChat invoices always list the subscription amount and the consumption cost seperately in the invoice.
Bank Fees: It is normal for the total to include a tax or transaction fee deducted by your bank for international transfers. This is usually estimated at 3%, though it varies by bank. To confirm, check the invoice total against your bank statement and contact your bank to verify the tax value.
4. Access Issues: Account Suspension & Locking
Regardless of the bill type, if an invoice remains unpaid, the platform will automatically lock on the 4th day following the bill's issue date. You will be unable to log in until the payment issue is resolved.
To resolve the BusinessChat payment issue and regain access to your account, you need to contact the BusinessChat team.
NOTE: The BusinessChat team would have already tried calling you several times before the account was closed.
5. Troubleshooting: Payment Failed (Despite Sufficient Funds)
If you have attempted to pay using the steps above but the transaction failed—even though you are certain the card has funds—follow this specific diagnostic path.
Step 1: The funds check
Payments might fail if the card has exactly the required amount, because banks usually deduct a tax fee for international payments. The tax percentage is different based on the bank itself.
Solution: Make sure you have more than the bill amount in the card, and try to process the payment again. If you want to know how much the tax is, you need to contact your bank.
Step 2: The Bank Check
Payment rejections often happen at the banking level, even when the balance is sufficient. Please contact your bank to confirm three specific settings:
International Online Payment: Is this feature enabled on your card?
Recurring Subscription: Is the card authorized for recurring automated payments?
Spending Limits: Have you reached a daily or monthly transaction limit?
Step 3: The Card Check
Verify if your specific card type supports this transaction nature.
Card Type: Some prepaid or local-only cards automatically block recurring subscription payments. You must verify this limitation with your bank.
Step 3: Action & Retry
After confirming the settings above with your bank, please wait a short period before retrying the transaction.
If the issue persists, attempt the payment with a different card (preferably a standard Credit/Debit card rather than a prepaid card).