If payments are enabled in your Mighty Network and at least one of your Plans is a subscription or Installment Plan, members will have a card on file that’s automatically charged when their payment renews.
Members receive email reminders before renewals:
3 days before a monthly subscription renews
30 days before an annual subscription renews
If a card expires or a payment fails, the member enters a Past Due state. During this time, our system automatically prompts them to update their card information—you don’t need to follow up manually.
How Past-Due Members Are Prompted to Update Card Details
When a payment fails, the grace period begins.
During the grace period:
The member is marked Past Due, visible in Admin > Plans > Plan List under the affected Plan.
You can view all past-due members at Admin > Plans > Past Due Members.
When the member signs in, a banner appears along the bottom of the screen prompting them to update their card details. The banner links directly to the page where they can do so.
Grace Periods by Platform
Web (Stripe Payments):
The grace period lasts 7 days.
Mighty Networks automatically sends three reminder emails prompting the member to update their payment information.
These reminders are spaced throughout the grace period using machine learning to optimize timing.
Stripe retries the failed payment automatically—once after one day, and then every two days until day seven.
Free Trial Members:
Members on a Free Trial follow the same 7-day grace period process.
iOS (Apple Payments):
The grace period lasts 16 days.
Apple handles all billing notifications directly through the App Store.
What Happens When a Past-Due Payment Is Resolved
When the member updates their card and the payment succeeds:
The charge is processed immediately.
The member’s billing cycle stays the same—their next renewal date does not change.
What Happens When a Past-Due Payment Isn’t Resolved
If the member doesn’t update their payment information within the grace period:
They lose access to the Plan on day seven (or day 16 for iOS purchases).
To regain access, they’ll need to purchase the Plan again and update their card details during checkout.
What Happens If a Past-Due Member Cancels Their Plan
If a member cancels their Plan while it’s in a Past Due state, the cancellation is immediate, and they’ll lose access to that Plan right away.
What Does “Pending Payment” Mean?
“Pending Payment” can indicate:
The member started checkout but didn’t complete it.
Their card requires Strong Customer Authentication (SCA) approval from their bank.
What Is Strong Customer Authentication (SCA)?
Strong Customer Authentication (SCA) is a European regulatory requirement designed to reduce fraud and make online payments more secure.
SCA applies to new card purchases online, not recurring subscription renewals.
Banks must decline payments that require SCA if they aren’t properly authenticated.
What Happens When You Move a Member and Their Payment Fails
If you move a member to a Paid Plan and the payment fails, here’s what happens:
The member receives an email, in-app message, and (if enabled) a mobile push notification that says:
“Action Required: Your Host switched your Plan but payment didn't process. Please update your billing info ASAP. Once you do, you’ll be moved and refunded as needed.”
The member has 7 days to update their billing information before the Plan move is canceled.
You as the Host receive an email, in-app message, and (if enabled) mobile push notification that says:
“[Member Name] needs to update their billing information for [Plan Name]. Once their billing information is updated, they’ll be subscribed to [New Plan Name].”
If the move required SCA verification, the member also receives:
“Action Required: Please verify your billing information for your move to [New Plan Name]. Once verified, you’ll be subscribed.”
If the member doesn’t update their billing info in time, the Plan move is canceled, and you’ll receive a notification confirming the cancellation.
Extended Grace Period for End-of-Cycle Moves
If you moved the member at the end of their billing cycle and they don’t update their payment information, they get an additional 7 days on their previous Plan—creating a total 14-day grace period before removal.