Midjourney payment failed or card declined

Why this happens

Midjourney bills through Stripe. Declines are almost always issued by your bank, not by Midjourney: 3-D Secure challenges, foreign-transaction blocks, prepaid cards, or insufficient funds on the renewal date.

Fix it

1. Go to midjourney.com → Manage Sub → Payment method and add a different card.
2. Ask your bank to allow international online charges from Midjourney Inc.
3. Once the card is updated, use the "Retry payment" action on the failed invoice instead of waiting for the next automatic attempt.
4. If your plan already lapsed, resubscribing restores access to your gallery immediately — images are never deleted for non-payment.

Still failing

Open a billing ticket from your Midjourney account page and include the last four digits of the card and the invoice ID. Do not post card details in Discord.