# Payments

To avoid service interruptions, a valid payment method must be added during the 360Dialog Hub creation process as part of onboarding.

{% hint style="info" %}
During onboarding a temporary authorisation may be placed on the payment method provided.

This authorisation of funds:

* Reserves a specific amount on the card or selected payment method
* Is not a charge
* Does not transfer funds
* Automatically releases funds if not captured

If there are delays in the release of authorised funds, contact the banking partner directly. 

Release timelines are determined by the issuing bank.
{% endhint %}

### <mark style="color:$primary;">Payment Methods</mark>

Credit / Debit cards are the primary supported payment method in the 360Dialog Hub.

The following card types are supported:

* Visa
* Mastercard
* American Express (AMEX)

A payment processing fee applies to Licence Fee invoices.

|                                                          | <mark style="color:$primary;">Supported</mark> | <mark style="color:$primary;">Processing Fee</mark> |
| -------------------------------------------------------- | ---------------------------------------------- | --------------------------------------------------- |
| <mark style="color:$primary;">Credit / Debit Card</mark> | Yes                                            | 4%                                                  |

### <mark style="color:$primary;">Payment Failures</mark>

Payment failures may occur for several reasons, including:

* Expired card
* Insufficient funds
* Card spending limits
* 3D Secure authentication issues

To reduce the risk of service interruption:

* [x] Keep card details up to date
* [x] Monitor card balances regularly
* [x] Contact the bank if payment failures occur without a clear reason

### <mark style="color:$primary;">Service Suspensions</mark>

If payment attempts fail, services may be suspended and a notification will be sent to the billing email configured in the Hub.

Outbound messaging and onboarding of new channels may be blocked when billing obligations remain unpaid.

Service access is automatically restored once the outstanding payment has been successfully processed.

For more on managing payments, see [Billing](https://docs.360dialog.com/docs/hub/billing)