Paying by Card

You can pay WARP by card on the Payments page. Cards pay invoices, add funds to your balance, and can be charged automatically when an invoice is issued (invoice accounts) or when your balance runs low (prepaid accounts).

Add a card

1. Open Payments (Billing → Payments) and choose Add card.
2. Enter the name on the card, the card number, the expiry and the security code. WARP asks you to confirm it is you with your authenticator code first.
3. The card is verified before it is saved. If the verification fails, nothing is saved and you can try again or use a different card. Some cards take a moment to verify: they show Verifying on the Payments page, which updates on its own when the check finishes.

Your card number and security code go straight to our payment provider. WARP never sees or stores them; it keeps only the brand, the last four digits, the expiry date and the name on the card.

The first card you add becomes your default card, as does any active card you add while your account has no default. You can save more than one card. The default card is tried first; the others are tried after it, newest first.

Buzz can't take card details in chat. Ask Buzz to open the Payments page and add the card there.

The card fee and the limits

• A 2.5% fee is added to every card payment. It is shown before you confirm, for example $1,000.00 plus a $25.00 fee is a $1,025.00 charge. Only the $1,000.00 is applied to your invoices and balance.
• Each payment is between $10.00 and $10,000.00, before the fee.
• Invoice autopay (below) charges any invoice amount up to $10,000.00. If an invoice is larger, it is never charged automatically. You are emailed once, and you can pay it in parts.

Pay now

On the Payments page, choose Pay now, pick an invoice or enter an amount, pick the card and confirm.

• Paying an invoice applies the payment to that invoice.
• Entering an amount without an invoice adds the money to your balance, and open invoices are paid oldest first.
• A card payment can take a moment to confirm. If the page says the payment is being confirmed, don't pay again; it will appear in your recent payments once confirmed.

You get a receipt by email, and a receipt for every payment is on the Payments page.

You can also ask Buzz to pay. Buzz shows you a confirmation with the card, the amount, the fee and the invoice, and nothing is charged until you approve it.

Invoice autopay

Invoice accounts can have a saved card pay each new invoice automatically. Autopay applies to invoices issued after you add a card; invoices already open when you add the card stay as they are, and you can pay them with Pay now.

When an invoice is issued, WARP charges your default card for the amount due. If the card declines, WARP tries again:

1. The first try goes to your default card, then to your other active cards, newest first.
2. If every card declines, WARP tries the whole list again 24 hours later, up to four tries in total (the first try and three retries).
3. You are emailed after a round fails, so you have time to fix it. Pay the invoice yourself at any point and the remaining tries are cancelled.
4. A card that declines on all four tries is deactivated. You are emailed, and the card shows as deactivated on the Payments page. Add a new card to turn autopay back on.

If an invoice is paid another way between tries, WARP stops and does not charge your card again.

Ringer support can also turn invoice autopay off for your account, for example at your request. The Automatic payments sheet on the Payments page then shows Off — turned off by Ringer support. Ask support to turn it back on., and new invoices are not charged to your card until support turns it back on. You can still pay any invoice with Pay now.

Auto-recharge (prepaid accounts)

Prepaid accounts can reload their balance automatically. Set a threshold and a reload amount: when your balance falls below the threshold, your default card is charged the reload amount (plus the 2.5% fee).

• Auto-recharge is for prepaid accounts only. Invoice accounts use autopay instead.
• The reload amount is between $10.00 and $10,000.00, before the fee.
• WARP reloads at most once every 15 minutes.
• You need an active card to turn it on. Changing auto-recharge asks for your authenticator code.
• Reloads that decline follow the same four tries and deactivation rule as autopay.

Default card, removing a card

• Make default on any active card changes which card is tried first.
• Remove takes a card off your account. If you remove your default card and you have other active cards, you choose the card that becomes the default.
• Removing your last active card turns invoice autopay off, and pauses auto-recharge until you add a card. The Payments page says so before you confirm.
• A removed or deactivated card is never charged again.

When a card declines

The Payments page and the email say why when your bank gives a reason, for example insufficient funds or an expired card. Check the expiry and the billing details with your bank, or add another card. If a payment was declined, you were not charged.

Refunds

To get a card payment back, ask Ringer support. You can't refund a payment yourself.

• The full amount goes back to your card, the card fee included. Ringer support returns the whole payment, not part of it. A payment can still show as Partially refunded if only part of it was returned, for example by an earlier refund.
• Your balance drops by the amount credited. If the payment was applied to an invoice, that invoice is open again for what it had covered.
• If that leaves your balance below your credit limit, your account is suspended until you pay. The email tells you whether this happened and how to pay.
• You get an email when the refund is done, with the amount, the card and your new balance.
• The Payments page shows the result. The payment is marked Refunded, Partially refunded or Voided, with the amount returned. A payment that is voided before it settles is marked Voided. It can take a few minutes to show on this page.

A voided payment may never appear on your statement. A refund can take a few days to show, depending on your bank.

Receipts and history

• Every successful card payment has an emailed receipt and a receipt on the Payments page.
• The card payment and its fee appear as two lines in your ledger on Billing → History: the payment, and the card fee.
• The Payments page lists your most recent card payments, including automatic ones, with the card used and the result, and any refund or void.

Who can see and change payments

• billing:read lets a user see the Payments page: cards (brand and last four digits only), recent payments and receipts. They can't pay or change anything.
• billing:write lets a user pay, change the default card, remove a card and change auto-recharge. Adding a card and changing auto-recharge also ask for the authenticator code.
• Ringer support staff who are viewing your account can see payments but can't make or change them.
• API keys follow the same two permissions.

Troubleshooting

• The payment says it is being confirmed. Wait a few minutes and check the Payments page. Don't pay again.
• I paid but my balance didn't change. Check Billing → History for the payment line, then contact support with the receipt.
• The card was deactivated. It declined on all four tries. Add a new card, or ask your bank why the charges were declined.
• I can't see Pay now. Your user needs the billing:write permission. Ask an account owner or admin.
• Card payments say they aren't available. Card payments aren't turned on for your account yet. Contact support.