# Billing & invoices

Update your payment method, download invoices and cancel in the Polar billing portal, and see what a failed payment means.

## The billing portal

Open the **Subscription** page and click **Manage subscription**. The Polar billing portal opens, where you can download invoices, update your payment method, and cancel or reactivate your subscription. Polar keeps your card details; Formstep never sees your card number.

The **Subscription** page itself is where you start a plan, move between Pro and Business, switch between monthly and annual, and follow your usage under **Plan usage**. See [switching billing cycle](https://formstep.io/docs/subscription-billing/upgrading-downgrading/#switching-billing).

## Invoices

Polar makes an invoice for every payment: a new plan, a renewal, a plan change and each AI credit pack. Download them from the billing portal. Prices exclude tax, and you pay in your local currency where Formstep offers one.

## AI credit packs

Credit packs are one-time purchases on the **AI Usage** page, and each shows as its own invoice. See [AI credits & usage](https://formstep.io/docs/ai/ai-credits-usage/).

## Failed payments

If a payment fails, Polar tries again, and your plan keeps working for a [grace period](https://formstep.io/docs/subscription-billing/upgrading-downgrading/#grace-period). Update your payment method in the billing portal and everything is back at once.

## Cancelling

Cancel in the billing portal. You keep your plan until the end of the period you paid for. See [what happens after you cancel](https://formstep.io/docs/subscription-billing/upgrading-downgrading/#cancelling).

## Next steps

[Upgrading & downgrading](https://formstep.io/docs/subscription-billing/upgrading-downgrading/) — What changes when you switch plan

[Legal overview](https://formstep.io/docs/legal/overview/) — Terms, privacy policy and data processing agreement