> ## Documentation Index > Fetch the complete documentation index at: https://plivo.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # Payments > Payment methods, auto-recharge, failed payments, and 3D Secure troubleshooting Frequently asked questions about payment methods, account recharges, and credits on Plivo. *** ## Payment Methods > [tab] US + Rest of World > > ### Accepted payment methods > > | Method | Availability | Minimum | Settlement | > | - | - | - | - | > | Credit Card | All customers | \$25 | Immediate | > | ACH Direct Debit | US only | \$25 | 5 business days | > | USD Bank Transfer | All customers | — | Same-day or next-day | > > Accepted cards: Visa, Mastercard, American Express, and Discover. PayPal is not supported. > > A 3% payment gateway fee applies on all card transactions. > > > [!WARNING] > > > > **Cards issued in India are not accepted on US data region accounts.** If your card is issued by a bank in India, sign up for the India data region account or pay via [USD Bank Transfer](#how-do-i-set-up-usd-bank-transfer). Data region cannot be changed after account creation. > > *** > > ### My card payment is failing with 3D Secure / OTP. What should I do? > > Some banks require 3D Secure (3DS) authentication — an additional verification step like an OTP or bank app approval — for online transactions. > > **Troubleshooting steps:** > > 1. **Enable pop-ups** — the 3DS verification window opens in a pop-up. Make sure your browser allows pop-ups for the Plivo console. > 2. **Try a different browser** — some browser extensions or privacy settings block the 3DS iframe. > 3. **Check with your bank** — confirm your card is enrolled for 3DS and that online/international transactions are enabled. > 4. **Try a different card** — if the issue persists, use another card from a different issuer. > > If the charge still fails after these steps, contact [Plivo Support](https://support.plivo.com) with the error message shown. > > *** > > ### How do I add a credit card? > > 1. Navigate to **Billing** in the Plivo console > 2. Enter card information in the Payment Details section > 3. Click **Add New Card** > > *** > > ### How do I set up ACH Direct Debit (US only)? > > ACH debit requires at least one credit card on file. > > 1. Navigate to **Billing** and select bank direct debits > 2. Enter bank account details > 3. Plivo sends a micro-deposit of \$0.01 with a code starting with "SM" > 4. Enter the four digits following "SM" in the console to verify > > Verification typically takes 2-3 days. Maximum 10 verification attempts allowed. > > *** > > ### How do I set up USD Bank Transfer? > > USD Bank Transfer avoids the 3% Payment Gateway Fee charged on credit card payments. > > **Transfer options:** > > * Domestic Wire Transfer: Same-day settlement > * ACH Transfer: Next-day settlement > > Contact [Plivo Support](https://support.plivo.com) to set up USD Bank Transfer. > > *** > > ### How do I set up wire transfer payments? > > For wire transfers over \$1,000, contact [Plivo Support](https://support.plivo.com) with: > > * Your use case > * Company details > * Estimated monthly volume > [tab] India > > ### Requirements for India-registered businesses > > | Requirement | Details | > | - | - | > | Currency | INR only | > | Route Type | Domestic routes | > | GST | Required with registration provided in Console | > | Card Type | Credit and Debit cards (Indian) | > > *** > > ### Accepted payment methods > > **Indian Credit/Debit Card:** > > * Minimum: ₹2,000 > > * Settlement: Immediate > > * Note: 2% payment gateway fee applies on all card transactions > > > [!WARNING] > > > > **Only cards issued in India are accepted on India data region accounts.** Cards issued outside India are not supported — if your only payment method is an international card, sign up for the US data region account instead. Data region cannot be changed after account creation. > > **Netbanking:** > > * Minimum: ₹10,000 > * Settlement: Immediate > * No payment gateway fee (0%) > > To pay using netbanking, open the [Plivo Console](https://cx.plivo.com/home), go to **Billing > Overview**, and click **Add Credits**. Select an amount of ₹10,000 or more, choose **Netbanking**, and click **Recharge**. > > > [!NOTE] > > > > Netbanking is rolling out and not every bank is supported yet. The banks available to you appear after you click **Add Credits** and choose **Netbanking**. Plivo is working to expand coverage. > > *** > > ### GST requirements > > * GST registration details must be entered in the Console > * 18% GST charged on all invoiced amounts > * GSTIN must be provided for tax compliance *** ## Recharges and Credits ### How do I manually recharge my account? 1. Navigate to **Billing** 2. Enter the recharge amount (minimum \$25 USD or ₹2,000 INR) 3. Complete payment *** ### What is auto-recharge and how does it work? Auto-recharge automatically adds funds when your balance drops below \$25. **How it works:** 1. When your balance drops below \$25, Plivo charges your card for the configured recharge amount 2. Choose a recharge amount: \$25, \$50, \$100, \$250, \$500, or \$1,000 3. If a recharge fails, Plivo retries when your balance drops below the threshold again **Example:** Starting balance \$100, recharge amount \$100. If a \$90 charge reduces the balance to \$10 (below \$25), auto-recharge triggers and adds \$100, resulting in a final balance of \$110. > [!WARNING] > > **Removing your credit card disables auto-recharge.** If you remove the card on file, auto-recharge stops working and your account may run out of funds. Add a new card and re-enable auto-recharge to resume. > [!NOTE] > > Auto-recharge is not available for India (INR) accounts. INR accounts must recharge manually. *** ### How do I configure auto-recharge? 1. Navigate to **Billing** 2. Go to the Auto Recharge section 3. Select a recharge amount (\$25, \$50, \$100, \$250, \$500, or \$1,000) 4. Save *** ### What are monthly recharge limits? Monthly limits protect against fraudulent activity like SMS pumping or credential leaks. * The system calculates a recommended limit based on usage * Limits can be adjusted anytime in the Console * Some accounts have upper caps based on account history *** ### What balance notifications does Plivo send? Plivo automatically sends email alerts when your balance drops below \$250, \$100, and \$10. **Custom alerts:** * Configure up to 3 custom threshold amounts * Add additional notification email addresses via Payment Settings *** ## Related Resources * [Invoices](https://plivo.com/docs/faq/billing-and-invoices/invoices.md) * [Taxes](https://plivo.com/docs/faq/billing-and-invoices/taxes.md) * [Voice Pricing](https://www.plivo.com/voice/pricing/) * [SMS Pricing](https://www.plivo.com/sms/pricing/) * [Phone Number Pricing](https://www.plivo.com/virtual-phone-numbers/pricing/) * [Contact Support](https://support.plivo.com)