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

# What do I do if my bank asks me to approve a payment when I upgrade my Replo plan?

> Approve a bank payment request or retry a declined card while upgrading or changing your Replo plan.

When you upgrade or change your plan from **Billing** in [Settings](https://docs.replo.app/apps/settings.md), 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](https://docs.replo.app/billing.md).


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