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Payment Methods

Overview​

CADENSA uses Mollie for secure payment processing. Add credit/debit cards, manage billing information, and update payment methods anytime.

Supported payment methods:

  • Credit cards (Visa, Mastercard, American Express)
  • Debit cards
  • SEPA Direct Debit (EU bank accounts)
  • iDEAL (Netherlands)
  • Bancontact (Belgium)

Security:

  • PCI DSS Level 1 compliant (via Mollie)
  • Card details never stored on CADENSA servers
  • 256-bit SSL encryption
  • 3D Secure support

Adding Payment Method​

First-Time Setup (Upgrading to PRO)​

Add payment method when upgrading.

Steps:

  1. Navigate to Settings → Billing
  2. Click "Upgrade to PRO"
  3. Select billing cycle (Monthly/Annual)
  4. Click "Add Payment Method"
  5. Enter card details in secure Mollie form
  6. Add billing address
  7. Confirm and save

Payment form:

┌─────────────────────────────────────────┐
│ Add Payment Method                      │
│ Powered by Mollie 🔒                     │
├─────────────────────────────────────────┤
│                                         │
│ Card Information:                       │
│                                         │
│ Card Number:                            │
│ [4242 4242 4242 4242______________]     │
│                                         │
│ Expiry: CVC:                            │
│ [MM / YY] [123]                         │
│                                         │
│ Cardholder Name:                        │
│ [John Doe_____________________]         │
│                                         │
│ Country or Region:                      │
│ [Hungary ▼]                             │
│                                         │
│ ZIP / Postal Code:                      │
│ [1234_]                                 │
│                                         │
│ 🔒 Secured by Mollie                     │
│ Your card details are encrypted and     │
│ never stored on CADENSA servers.        │
│                                         │
│ [Cancel] [Save Payment Method]          │
└─────────────────────────────────────────┘

Billing address:

┌─────────────────────────────────────────┐
│ Billing Address                         │
├─────────────────────────────────────────┤
│                                         │
│ Company Name (optional):                │
│ [Acme Corporation______________]        │
│                                         │
│ VAT Number (EU):                        │
│ [HU12345678] (for EU invoices)          │
│                                         │
│ Address Line 1:                         │
│ [123 Main Street_______________]        │
│                                         │
│ Address Line 2 (optional):              │
│ [Suite 100_____________________]        │
│                                         │
│ City:                                   │
│ [Budapest______________________]        │
│                                         │
│ State / Region:                         │
│ [________________________]              │
│                                         │
│ ZIP / Postal Code:                      │
│ [1234_]                                 │
│                                         │
│ Country:                                │
│ [Hungary ▼]                             │
│                                         │
│ Email for Invoices:                     │
│ [billing@acme.com______________]        │
│                                         │
│ [Save Billing Info]                     │
└─────────────────────────────────────────┘

Adding Additional Cards​

Add backup payment methods.

Steps:

  1. Navigate to Settings → Billing → Payment Methods
  2. Click "Add Payment Method"
  3. Enter new card details
  4. Save (not set as default)
  5. Optional: Set as default

Managing multiple cards:

┌─────────────────────────────────────────┐ │ Payment Methods │ ├─────────────────────────────────────────┤ │ │ │ Default Payment Method: │ │ ┌────────────────────────────────────┐ │ │ │ 💳 Visa ending in 4242 │ │ │ │ Expires: 12/2027 │ │ │ │ ✓ Default │ │ │ │ [Edit] [Remove] [Set Default] │ │ │ └────────────────────────────────────┘ │ │ │ │ Other Payment Methods: │ │ ┌────────────────────────────────────┐ │ │ │ 💳 Mastercard ending in 5555 │ │ │ │ Expires: 08/2026 │ │ │ │ [Edit] [Remove] [Set Default] │ │ │ └────────────────────────────────────┘ │ │ │ │ ┌────────────────────────────────────┐ │ │ │ 🏦 SEPA Direct Debit │ │ │ │ IBAN: ****1234 │ │ │ │ [Edit] [Remove] [Set Default] │ │ │ └────────────────────────────────────┘ │ │ │ │ [+ Add Payment Method] │ └─────────────────────────────────────────┘

Payment Method Types​

Credit & Debit Cards​

Supported card networks:

Card TypeSupportedNotes
VisaAll countries
MastercardAll countries
American ExpressMost countries

Card verification:

When adding card:
1. Card number validated (Luhn algorithm)
2. Expiry date checked (not expired)
3. CVC required (3-4 digits)
4. Small authorization hold ($1-2)
 - Charged temporarily
 - Refunded immediately
 - Verifies card is active

SEPA Direct Debit (EU)​

Bank account direct debit for EU customers.

Eligibility:

  • EU bank account required
  • EUR currency only
  • PRO annual plans (not monthly)
  • ENTERPRISE plans

Setup:

  1. Navigate to Settings → Billing → Payment Methods
  2. Click "Add Payment Method"
  3. Select "SEPA Direct Debit"
  4. Enter IBAN
  5. Agree to SEPA mandate
  6. Verify account (micro-deposit)

SEPA setup form:

┌─────────────────────────────────────────┐
│ Add SEPA Direct Debit                   │
├─────────────────────────────────────────┤
│                                         │
│ Account Holder Name:                    │
│ [John Doe_____________________]         │
│                                         │
│ IBAN:                                   │
│ [HU42 1177 3016 1111 1018 0000 0000]    │
│                                         │
│ Bank Name: (auto-detected)              │
│ OTP Bank                                │
│                                         │
│ ☑ I authorize CADENSA to debit my       │
│ account according to SEPA mandate       │
│                                         │
│ SEPA Mandate Details:                   │
│ - Creditor ID: HU12ABC34567890          │
│ - Mandate Reference: CAD-2026-001234    │
│ - First debit: 5-7 business days        │
│                                         │
│ [Learn More] [Cancel] [Authorize]       │
└─────────────────────────────────────────┘

SEPA timeline:

Day 1: Add SEPA account
- IBAN entered
- Mandate signed

Day 2-3: Verification
- Small debit (€0.01)
- Confirm amount in app

Day 5-7: Account verified
- Can be set as payment method
- First charge scheduled

Day 8+: Recurring charges
- 5 business days before due date
- Notification sent 3 days before

Benefits:

  • Lower fees (CADENSA may pass savings)
  • Direct from bank (no card required)
  • Automatic renewals
  • No card expiry issues

iDEAL (Netherlands)​

Online banking payment method for Dutch customers.

Eligibility:

  • Dutch bank account required
  • Available to all CADENSA plans

Setup:

1. Click "Add Payment Method"
2. Select "iDEAL"
3. Choose your bank
4. Authenticate via online banking
5. Payment method saved

Benefits:

  • No card required
  • Instant bank transfer
  • Widely used in the Netherlands

Bancontact (Belgium)​

Belgian debit card and online payment method.

Eligibility:

  • Belgian bank account or Bancontact card
  • Available to all CADENSA plans

Setup:

1. Click "Add Payment Method"
2. Select "Bancontact"
3. Enter card details or authenticate via app
4. Payment method saved

Benefits:

  • Widely used in Belgium
  • Direct debit from bank account

Updating Payment Methods​

Update Card Details​

Update expiry date or billing address.

Steps:

  1. Navigate to Settings → Billing → Payment Methods
  2. Find card to update
  3. Click "Edit"
  4. Update expiry date or billing address
  5. Save changes

What you can update:

Expiry date (MM/YY) Billing address Cardholder name Set as default

Cannot update:

  • Card number (add new card instead)
  • CVC (add new card instead)

Update form:

┌─────────────────────────────────────────┐
│ Update Payment Method                   │
│ Visa ending in 4242                     │
├─────────────────────────────────────────┤
│                                         │
│ Card Number:                            │
│ •••• •••• •••• 4242 (cannot change)     │
│                                         │
│ New Expiry Date:                        │
│ [12 / 2028]                             │
│                                         │
│ Cardholder Name:                        │
│ [John Doe_____________________]         │
│                                         │
│ Billing Address:                        │
│ [Edit Address →]                        │
│                                         │
│ [Cancel] [Save Changes]                 │
└─────────────────────────────────────────┘

Replacing Expired Cards​

Update before card expires.

Automatic reminders:

60 days before expiry:
📧 Email: "Card expiring soon"
- Current card: Visa ****4242
- Expiry: 12/2026
- Action: Add new payment method

30 days before expiry:
📧 Email: "Card expires in 30 days"
- Add new card or update expiry

7 days before expiry:
📧 Email: "URGENT: Card expires in 1 week"
- Service interruption if not updated

Day of expiry:
- Payment failed
- Service suspended (PRO → FREE after grace period)
- Email sent with update instructions

Replace expired card:

Option 1: Update expiry (if renewed)
1. Settings → Billing → Payment Methods
2. Click "Edit" on expired card
3. Update expiry date
4. Save

Option 2: Add new card
1. Add new payment method
2. Set as default
3. Remove expired card (optional)

Removing Payment Methods​

Delete Saved Cards​

Remove unused payment methods.

Steps:

  1. Navigate to Settings → Billing → Payment Methods
  2. Find card to remove
  3. Click "Remove"
  4. Confirm deletion

Important:

 Cannot remove default payment method
 Must have at least 1 active payment method on PRO+

To remove default:
1. Add new payment method
2. Set new method as default
3. Remove old method

Confirmation:

┌─────────────────────────────────────────┐ │ Remove Payment Method? │ ├─────────────────────────────────────────┤ │ │ │ Visa ending in 4242 │ │ Expires: 12/2027 │ │ │ │ This payment method will be removed. │ │ │ │ Safe to remove (not default) │ │ │ │ [Cancel] [Remove] │ └─────────────────────────────────────────┘

Failed Payments​

Payment Failure Handling​

What happens when payment fails.

Common failure reasons:

Insufficient funds Card expired Card declined by bank Incorrect billing address 3D Secure authentication failed Card blocked for online transactions

Automatic retry schedule:

Day 1: Initial charge fails
- Email sent: "Payment failed"
- Retry in 3 days

Day 4: Retry #1
- Automatic retry
- If fails: Email sent, retry in 3 days

Day 7: Retry #2
- Automatic retry
- If fails: Email sent, retry in 5 days

Day 12: Retry #3 (Final)
- Automatic retry
- If fails: Account suspended

Day 15: Account suspended
- PRO features disabled
- Downgrade to FREE scheduled for Day 30

Day 30: Permanent downgrade
- Account downgraded to FREE
- Must resubscribe to regain PRO

Notification email:

Subject: Payment Failed - Action Required

Dear John,

Your payment for CADENSA PRO could not be processed.

Invoice: #INV-2026-0123
Amount: €60.00
Date: Jan 25, 2026
Reason: Card declined

Next Retry: Jan 28, 2026 (3 days)

Action Required:
1. Update your payment method
2. Or wait for automatic retry

Update Payment Method:
https://app.cadensa.io/settings/billing

Questions? Reply to this email.

Best regards,
CADENSA Billing Team

Resolving Failed Payments​

Fix payment issues.

Option 1: Update payment method

1. Settings → Billing → Payment Methods
2. Add new card or update existing
3. Set as default
4. System automatically retries immediately

Option 2: Manual retry

1. Settings → Billing → Invoices
2. Find failed invoice
3. Click "Retry Payment"
4. Payment processed with current default method

Option 3: Contact bank

If card should work:
1. Contact your bank
2. Ask why charge was declined
3. Authorize CADENSA charges
4. Retry payment in app

Billing Information​

Update Billing Details​

Change company name, VAT number, or address.

What you can update:

  1. Navigate to Settings → Billing → Billing Information
  2. Update any field:
  • Company name
  • VAT number (EU)
  • Billing address
  • Email for invoices
  1. Save changes
  2. Applied to future invoices (not retroactive)

Billing information form:

┌─────────────────────────────────────────┐ │ Billing Information │ ├─────────────────────────────────────────┤ │ │ │ Company / Individual: │ │ ● Company │ │ ○ Individual │ │ │ │ Company Name: │ │ [Acme Corporation______________] │ │ │ │ VAT Number (EU): │ │ [HU12345678] │ │ ☑ Validate VAT (VIES check) │ │ Valid VAT number │ │ │ │ Tax ID (non-EU): │ │ [_______________________ ] │ │ │ │ Billing Address: │ │ [123 Main Street_______________] │ │ [Suite 100_____________________] │ │ [Budapest______________________] │ │ [1234_] [Hungary ▼] │ │ │ │ Invoice Email: │ │ [billing@acme.com______________] │ │ (Receives invoices automatically) │ │ │ │ Additional CC Emails: │ │ [cfo@acme.com__________________] │ │ [+Add Email] │ │ │ │ [Cancel] [Save Changes] │ └─────────────────────────────────────────┘

VAT/Tax Handling​

Automatic VAT calculation for EU customers.

EU VAT rules:

Hungary (CADENSA HQ):
- Hungarian customers: +27% VAT
- EU business (valid VAT): 0% (reverse charge)
- EU individual (no VAT): +27% VAT
- Non-EU: 0% VAT

Example invoices:

Hungarian Company:
- Subtotal: €100.00
- VAT (27%): €27.00
- Total: €127.00

EU Company (valid VAT):
- Subtotal: €100.00
- VAT: €0.00 (reverse charge)
- Total: €100.00
- Note: "VAT reverse charge - Article 196 EU VAT Directive"

US Company:
- Subtotal: €100.00
- VAT: €0.00
- Total: €100.00

VAT validation:

When entering EU VAT number:

  1. Format check (country prefix + digits)
  2. VIES database check (real-time)
  3. Validation result: Valid - 0% VAT applied Invalid - 27% VAT applied Unavailable - Manual review required

Payment Security​

Security Features​

How your payment data is protected.

PCI DSS Compliance:

Level 1 PCI DSS certified (via Mollie) Card data never touches CADENSA servers Tokenization (card stored as token only) Encrypted transmission (256-bit SSL) Secure iframe for card entry Regular security audits

3D Secure (3DS):

Enhanced security for card payments:

How it works:

  1. Enter card details
  2. Bank may require additional verification:
  • SMS code
  • Banking app approval
  • Biometric authentication
  1. Confirm verification
  2. Payment processed

Benefits: Reduced fraud Liability shift to bank Required for SCA (EU regulation)

Data storage:

What CADENSA stores: Last 4 digits of card Card brand (Visa, Mastercard) Expiry month/year Billing address Payment token (from Mollie)

What CADENSA NEVER stores: Full card number CVC/CVV code Card PIN

Best Practices​

Do's​

  • Keep card up to date - Update before expiry
  • Add backup payment method - Avoid service interruption
  • Use strong passwords - Protect account access
  • Enable 2FA - Extra security layer
  • Review billing email - Ensure accuracy
  • Verify VAT number - EU businesses save 27%
  • Monitor failed payments - Check email regularly
  • Use company card for business - Expense tracking

Don'ts​

  • Don't share card details - CADENSA will never ask via email/phone
  • Don't ignore expiry notices - Update before suspension
  • Don't use personal card for team - Use company card
  • Don't skip billing address - Required for invoices
  • Don't wait for payment failure - Update proactively
  • Don't remove default without replacement - Maintain active payment method

Troubleshooting​

Card declined​

Problem: Card payment declined by bank.

Solutions:

  1. Check card has sufficient funds
  2. Verify card is activated for online payments
  3. Check with bank (may be fraud protection)
  4. Try different card
  5. Contact support if issue persists

VAT number not validating​

Problem: EU VAT number shows as invalid.

Solutions:

  1. Verify format (e.g., HU12345678)
  2. Check VIES directly: https://ec.europa.eu/taxation_customs/vies/
  3. Allow 24h (new VAT numbers may not be in system)
  4. Contact support with VAT registration certificate

Payment method won't save​

Problem: Error when saving card.

Solutions:

  1. Check all required fields filled
  2. Verify card number (no spaces/dashes)
  3. Check expiry date (MM/YY format)
  4. Try different browser
  5. Disable browser extensions (password managers)
  6. Clear browser cache and retry

Next Steps​

Need Help?​