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When you upgrade or change your plan from Billing in Settings, some banks require you to approve the charge on their own page before it goes through (often called 3D Secure). When that happens, the upgrade window switches to Confirm with your bank. If the charge fails, the window shows Card declined instead. Stay in the upgrade window. Select Continue to bank to open your bank’s approval page in a new tab, and approve the payment there. The window switches to Waiting for your bank and updates on its own once the change is live. If you see Card declined, you weren’t charged. Select Update card to change your card in the Stripe portal, then try again. If the bank page still hasn’t finished after about 5 minutes, you can Reopen bank page or Update card. More in Billing & Credits.