# Upgrade, downgrade and cancel

> How paying for RoGenie works - checkout through Stripe, upgrading and prorating, a declined card, scheduled downgrades, cancelling, changing your card, failed payments and refunds.

Paid plans are processed securely through **Stripe**. RoGenie changes your plan only after it receives and verifies signed billing events from Stripe, so a plan change shows up a moment after payment goes through. The binding terms are on the [Billing and Plans](https://rogenie.ai/billing) policy page.

## Upgrade

Upgrade from any of these:

- **Settings › Account & Usage › Upgrade plan**,
- the [pricing page](https://rogenie.ai/#pricing),
- the card RoGenie shows when your quota runs out.

What you pay depends on where you start:

| From | To | What happens |
|---|---|---|
| **Free** | any paid plan | You go to Stripe checkout and pay the plan's monthly price. The plan starts when payment completes. |
| a **paid** plan | a **higher** paid plan | The upgrade takes effect **immediately** and is **prorated**: you are charged now for the difference for the rest of the current period. Your billing date stays the same. |

Before an upgrade between paid plans, RoGenie shows a **Change plan** confirmation with the prorated amount.

### If your card is declined

The prorated amount is charged to your saved card the moment you confirm. If your bank declines it, nothing is charged and your plan does not change: RoGenie says *Your card was declined* and shows **Update payment method**, which opens the Stripe billing portal. Change your card there, then try the upgrade again. If your bank wants an extra confirmation step (3D Secure), RoGenie says so and offers the same button: update or re-add the card in the portal, where your bank can confirm it, then try again.

## Downgrade

Moving to a lower paid plan is **scheduled for the end of the current billing period**. Nothing is charged now, and you keep your current plan's limits until then. Settings shows the pending change: "Changes to Starter on [date]. Nothing is charged now."

## Cancel

1. Open **Settings › Account & Usage**.
2. Click **Manage billing**. The Stripe billing portal opens.
3. Cancel the subscription there.

A cancelled subscription ends **at the end of the paid period**. You keep full access to your plan until then, and the account then moves to the Free plan. Your chats, settings and memory stay.

## Change your card or payment method

1. Open **Settings › Account & Usage** (or the account menu).
2. Click **Manage billing**. The Stripe billing portal opens.
3. Add the new card and make it the default. You can remove the old one there too.

The same portal shows your invoices and is where you cancel. Opening it leaves the app; if you have unsaved settings, RoGenie asks first. **Manage billing** shows once you have a paid Stripe subscription; a free account has no card on file to change.

Signed in on the [pricing page](https://rogenie.ai/#pricing), your current plan's card has **Manage billing** too, so you can change the card there before you upgrade.

## Failed payments

If a renewal payment fails, your subscription may be marked **past due**, and Settings shows *Payment past due: Your last payment did not go through. Update your payment method with Manage billing.* A later successful payment restores the subscription.

## Refunds

Refunds are not processed automatically. For refund requests and billing questions, contact RoGenie support; see [Get help](https://rogenie.ai/docs/get-help) and the [Billing and Plans](https://rogenie.ai/billing) page.

## Usage and plan changes

Changing plan does not reset your usage windows or erase usage you already have. See [How usage is counted](https://rogenie.ai/docs/usage-and-quota#changing-plans).

## Deleting your account

An active Stripe subscription must be cancelled before you can delete your account. See [Privacy, data and deleting your account](https://rogenie.ai/docs/privacy-and-data#delete-your-account).