A declined card says why, and what to do next

Changing your plan, adding Copilot or buying Copilot credit packs charges your card at once. When the bank refuses that payment, the dialog now stays open and says why, for example insufficient funds, an expired card or an incorrect security code. Your plan stays as it was.

From there you can pay the invoice with another card, or update your payment method and confirm again. When your bank only wants you to confirm the payment, you are still taken to Stripe's page to do that.

Start my plan now tells you the same way when the bank refuses its first payment, and your trial goes on: nothing changes until that first invoice is paid. Pay it with another card, or update your payment method and start your plan again. Until then the billing page shows the invoice waiting, with the time it is cancelled if it stays unpaid; your plan then starts when your trial ends, billed as it would have been.

A purchase your account credit covers in full is now applied at once, without charging your card. Before, the dialog could say your plan could not be changed although the change went through.

A change waiting for its payment now says so on the billing page: nothing on your plan has changed, your assistant keeps answering, and the invoice is cancelled at your renewal if it stays unpaid. Before, it read like a failed renewal that would stop your assistant, and owners got a payment-failed email for it.

The confirmation for an upgrade that applies at once now says it charges the monthly price difference for this month, and what changes at your renewal, instead of saying that nothing changes until then.

The bar across the top of the dashboard now says the same: a start or a change waiting for its payment says your plan has not started yet, or that the change waits, and until when, instead of counting an unpaid invoice or naming a retry after the invoice is cancelled. When your account credit pays the first charge of Start my plan now, in full or in part, the confirmation says so and names both amounts, instead of asking you to pay $0.00. A refused first payment no longer sends a "your free trial ends soon" email or notification either; that reminder still comes before your trial really ends.