> ## Documentation Index
> Fetch the complete documentation index at: https://docs.optidev.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Methods

> How payments work in OptiDev

## Secure Payments with Stripe

OptiDev uses [Stripe](https://stripe.com) to process all payments. Your payment information is handled securely by Stripe — we never store your card details on our servers.

***

## Accepted Payment Methods

When you subscribe or purchase credits, Stripe Checkout accepts:

* **Credit cards** — Visa, Mastercard, American Express, Discover
* **Debit cards** — Most major debit cards

<Info>
  Available payment methods may vary by region. Stripe automatically shows the options available in your location.
</Info>

***

## Adding a Payment Method

1. Go to **Settings** → **Billing**
2. Click **Upgrade** to start a subscription
3. Enter your payment details in Stripe Checkout
4. Your payment method is saved for future renewals

***

## Updating Your Payment Method

1. Go to **Settings** → **Billing**
2. Click **Manage Billing**
3. You'll be redirected to the Stripe billing portal
4. Click **Payment methods** → **Add payment method**
5. Enter your new card details
6. Set it as your default payment method

***

## Removing a Payment Method

1. Go to **Settings** → **Billing**
2. Click **Manage Billing**
3. In the billing portal, go to **Payment methods**
4. Click the card you want to remove
5. Select **Remove**

<Warning>
  You must have at least one valid payment method if you have an active subscription.
</Warning>

***

## Invoices and Receipts

After each payment, you'll receive an email receipt from Stripe. You can also access all invoices:

1. Go to **Settings** → **Billing**
2. Click **Manage Billing**
3. View your **Invoice history**
4. Download invoices as PDF

***

## Payment Security

* **PCI compliant** — Stripe is certified to PCI Service Provider Level 1
* **Encrypted** — All payment data is encrypted in transit and at rest
* **No card storage** — OptiDev never sees or stores your full card number

***

## FAQ

<AccordionGroup>
  <Accordion title="Why was my card declined?">
    Common reasons include insufficient funds, incorrect card details, or your bank blocking the transaction. Try a different card or contact your bank.
  </Accordion>

  <Accordion title="When am I charged?">
    You're charged immediately when you subscribe or purchase credits. Subscriptions renew automatically at the start of each billing cycle.
  </Accordion>

  <Accordion title="Can I get a refund?">
    Contact support at [support@optidev.ai](mailto:support@optidev.ai) for refund requests. Refunds are evaluated on a case-by-case basis.
  </Accordion>

  <Accordion title="Do you support PayPal?">
    Currently, we only accept credit and debit cards through Stripe.
  </Accordion>
</AccordionGroup>