Paying by credit card

Campaign Monitor accepts payment by credit card. Below is everything you'll need to know in regard to setting up credit card payment, and troubleshooting any issues that may arise.

Update your credit card details

To change or update your account payment card details:

1. Click your profile image at the top right, then click Billing.
2. Click Manage your card.
3. Click Use a different card, or Add a card if you haven't yet.
4. Enter the card details, then click Add card.

Remove a credit card

To remove a credit card from your account, follow the instructions above to get to the credit card page, then click Delete.

Authorization holds

To verify your account credit card we place an authorization hold on it, of USD $1 or the local currency equivalent.

This is common procedure with many merchants and, while you might see an authorization request on your bank statement, it is not an actual charge. Authorization holds are to confirm that your credit card is active, and your bank will remove the $1 from your statement typically after a few days. This helps prevent delays when you're at the point of actually sending a campaign.

Credit card declines

There are a few reasons a credit card may be declined when you are attempting to pay for a campaign. This notification is not coming from our software, but directly from your bank or card provider.

Unfortunately, we don't receive specific information about why the card is being declined, or how to correct it. The two most common causes we find for a "card declined" message are:

• Your credit card number and expiry date are incorrect. Check and try again.
• You are using a debit card, and your bank (often in the UK) won't allow this transaction on a debit card.

During the period that a credit card payment has failed and updated details are pending, you will not be able to send any emails. If you are running journeys, they will also be paused — unless there are leftover email credits in your account to continue sending them.

As soon as payment details are updated everything will be back to normal, and paused journeys will be restarted automatically. In cases where the payment problem is temporary and your credit card details are correct, we will keep trying to process the payment a few times over.

Declines and debit cards

We accept both credit and debit cards. Many customers are able to use debit cards without issue, but the decision about whether a particular transaction is allowed on debit is made by your bank or card provider.

Declined transactions on debit cards tend to only happen with UK-based banks.

Solving declined transactions

Contact your bank and ask them why it is being declined. In some cases it will take a few calls to get the bank to reveal the cause, and their first level support people may not know why.

Some customers have told us that their banks have declined transactions because of overzealous automated anti-fraud protections, or because Campaign Monitor uses an Australian bank.

From our end, we can only check that payments for other cards are going through, and that our payment gateway is operating correctly.

International transaction fees

Campaign Monitor supports six currencies for account billing. However, if you pay in a currency that doesn't match the one attached to your credit card, some card providers will charge an extra fee, known as an "international transaction fee" or "foreign currency fee".

This makes the total that you pay slightly higher than what your Campaign Monitor invoice states. The extra charge is usually 1–3% of the invoice cost and it's either charged as a separate transaction on your credit card, or added to the invoice total.

Please be assured, Campaign Monitor is only charging you the amount noted on your account invoices. Also, our billing system cannot detect if the extra charge is being added by your bank, so unfortunately we can't include the amount on your invoice.