My charge failed, what happens?

The school keeps its full access. Stripe automatically retries the charge for about two weeks and emails the owner a link to change card. A banner shows in the app.

To fix it: the owner opens Martialnote plan > Manage my subscription and changes the card. The Pay button is not offered in this case. If a retry succeeds, everything is back to normal.

If every attempt fails, Stripe gives up and the school becomes read-only immediately: viewing, exporting and logging in stay possible, nothing is deleted. The owner gets access back by paying (see the FAQ "my school is read-only"). Support cannot see the bank's reason for the refusal: only the bank knows it.