Payment Methods
Add payment methods via Stripe, manage cards, and configure auto-recharge.
Talkif uses Stripe for payment processing. All payment data is handled securely through Stripe — Talkif never stores your card details.
Adding a payment method
- Navigate to Settings → Billing → Payment Methods
- Click Add payment method
- Enter your card or bank account details
- Confirm and save
Credit cards, debit cards, and bank accounts are supported. 3D Secure (3DS) is supported for European cards.
Labels
Assign a custom label to any payment method (e.g., "Corporate Visa", "Marketing Budget") to keep things organized when you have multiple cards on file.
Payment method status
Each payment method has a health status based on its most recent charge outcome:
| Status | Meaning |
|---|---|
| Active | Healthy — last charge succeeded (or never charged) |
| Declined | Card was declined (insufficient funds, generic decline, etc.) |
| Expired | Card expiration date has passed |
| Blocked | Card is permanently unusable (lost, stolen, or flagged as fraudulent) |
Status resets to Active on any successful charge. If a charge fails, the status updates automatically based on the Stripe decline code. A status_reason field provides the specific decline code when applicable.
Auto-recharge will not attempt charges against Expired or Blocked payment methods. If your default method enters one of these states, add a new card or update the existing one.
Default payment method
Set one payment method as your default. This is used for manual purchases and auto-recharge. You can change your default at any time.
Auto-recharge
Keep your balance topped up automatically so calls never fail due to insufficient credits.
Setup
- Navigate to Settings → Billing → Auto-Recharge
- Enable auto-recharge
- Set a threshold — when your balance drops below this amount, a recharge triggers
- Set a recharge amount — how many credits to purchase when triggered
Auto-recharge uses your default payment method.
If an auto-recharge payment fails, the system retries up to 4 times with increasing delays: immediately, then after 1 day, 3 days, and 5 days. If all attempts fail, you'll need to add funds manually.