---
title: Managing payment methods
description: How to update your card, switch payment terms, and manage billing contact details.
product: administration
audience: operator
voice_pillar: coordinate
---

# Managing payment methods

> How to view, update, or change your payment method and billing contact through the Stripe portal.

## The operational problem

When a card expires or a new finance contact takes over billing, operators need to update payment details without filing a support ticket or waiting for someone to call back.

## How Array HQ solves it

Payment method management happens through a secure Stripe-hosted portal — accessible directly from the Billing tab. Array HQ never stores or handles raw card data. Changes take effect immediately.

## How it works

### Viewing your payment method

The Billing tab shows your current payment method on file:

- **Card brand and last 4 digits** (e.g., Visa ••4242)
- **Expiration date**
- **Default** badge if this is the method used for auto-charge

### Updating your payment method

1. Go to the Billing tab under Administration
2. Click **Manage in Stripe**
3. You'll be redirected to the Stripe Customer Portal
4. Add a new card or bank account, or remove an existing one
5. Set your preferred method as default

Changes apply immediately to future charges.

### Adding a payment method

If no payment method is on file (for example, during initial onboarding):

1. Click **Add Payment Method** on the Billing tab
2. Complete the setup on the Stripe-hosted page
3. Your method is saved and set as default

### Payment terms

Your account has one of three payment term configurations:

| Term | How it works | Who it applies to |
|---|---|---|
| **Auto-charge** | Default payment method is charged automatically when an invoice is finalized. You receive a receipt email. | Default for all new accounts |
| **Net 30** | Invoice email sent with a pay link. Payment due within 30 days. | Enterprise accounts (per contract) |
| **Due on receipt** | Invoice email sent with a pay link. Payment due immediately. | Accounts without a card on file |

Payment terms are set at the contract level. To change your terms, contact your Array account representative.

### Billing contact email

Invoices and receipts are sent to the billing contact email on your account. This email is managed through the Stripe Customer Portal:

1. Click **Manage in Stripe** from the Billing tab
2. Update the email address in the portal
3. Future invoices and receipts go to the new address

### Security

Array HQ does not collect, store, or process card numbers directly. All payment data is handled by Stripe, which is PCI DSS Level 1 certified. The Billing tab displays only masked card information (brand + last 4 digits).

## Key terms

| Term | Meaning |
|---|---|
| Default payment method | The card or bank account that is charged automatically on auto-charge accounts. |
| Stripe Customer Portal | The secure hosted page where you manage payment methods, view invoices, and download receipts. |
| PCI DSS | Payment Card Industry Data Security Standard — the security certification held by Stripe for handling card data. |

## Related

- [Billing and plans](billing-plans.md)
- [How billing works](billing-how-it-works.md)
- [When payment fails](billing-payment-failures.md)