Where to find your payment settings on Spotify
You change your payment method through your Spotify account settings, not through the app itself. Log into your account at spotify.com, click your profile icon in the top right corner, and select Account from the dropdown menu. This takes you to your account overview page.
Once you're on the Account page, look for the Billing section on the left sidebar. Click it, and you'll see your current payment method listed under "Payment method." This is where you add a new card, update an existing one, or switch to a different payment source entirely.
Key Takeaways
- You must change your payment method through spotify.com in a web browser, not through the Spotify mobile app.
- Go to your profile icon, select Account, then click Billing in the left sidebar to reach your payment settings.
- You can add multiple payment methods and choose which one Spotify charges each month.
- If your current card is declined, Spotify will attempt to charge your backup payment method if you have one set up.
- Changes to your payment method take effect on your next billing date, not when ready.
Adding a new credit or debit card
In the Billing section, click the Add a payment method button. A form appears asking for your card number, expiration date, and the three-digit security code on the back. You'll also need to enter the billing address associated with the card and your full name as it appears on the card.
After you fill in all the fields and click Add card, Spotify processes the information. The new card appears in your payment method list when ready, but it won't be charged until your next billing cycle. If you want this new card to be your primary payment method right away, click the three dots next to the card and select Make primary.
Switching to a different payment method you already have on file
If you've already added multiple payment methods to your account, you can switch between them without adding anything new. In the Billing section, find the card you want to use and click the three dots next to it. Select Make primary, and Spotify will charge that card on your next billing date instead of your current one.
Your old payment method stays on file unless you remove it. This is useful if you want to keep a backup card in case one gets declined or expires. You can have as many payment methods saved as you need.
Removing a payment method
To delete a card from your account, go to the Billing section, find the card you want to remove, click the three dots, and select Remove. Spotify will ask you to confirm the deletion. You cannot remove your primary payment method — you must make a different card primary first, then remove the old one.
If you only have one payment method on file and you want to remove it, you'll need to add a new one before you can delete the old card. Spotify requires at least one valid payment method on every active account.
What happens if your payment method fails
If Spotify tries to charge your primary card and it's declined, the service doesn't stop when ready. Spotify sends you an email letting you know the charge failed and gives you a window to fix it — usually a few days. During this time, your account continues to work normally.
If you have a backup payment method on file, Spotify will attempt to charge that card instead. If both cards fail or you don't have a backup, your account will be suspended until you update your payment information. Once you add a working card and the payment goes through, your service resumes right away.
Paying through PayPal or other methods
Spotify accepts PayPal as a payment option in addition to credit and debit cards. To add PayPal, click Add a payment method in the Billing section and select PayPal from the options. You'll be redirected to PayPal's website to log in and authorize Spotify to charge your PayPal account. Once you authorize it, PayPal appears as a payment method in your list.
Some countries also offer payment through mobile carriers or local payment services. The available options depend on where you live and which payment providers Spotify has partnered with in your region. Check the payment method dropdown to see what's available to you.
Troubleshooting payment method problems
If you're having trouble adding a new card, the most common reason is that the information doesn't match what your bank has on file. Double-check that your name, address, and card number are entered exactly as they appear on your statement. Some banks also block transactions from unfamiliar merchants the first time — if that happens, contact your bank and ask them to approve Spotify, then try adding the card again.
If your payment method is being declined repeatedly even though you know the card is valid, contact your bank first. They may have flagged the charge as suspicious, or the card may have expired without you realizing it. Once your bank confirms the card is active and Spotify is approved, try updating your payment method again. If the problem persists, Spotify's support team can investigate further, but the issue is usually on the bank's side.
Frequently Asked Questions
Can I change my payment method through the Spotify app?
No. You must use a web browser and log into spotify.com to change your payment method. The mobile app doesn't have access to billing settings. This is a security measure to protect your payment information.
When does Spotify charge my new payment method?
Spotify charges your new primary payment method on your next billing date, not when ready. Your billing date is the same day each month that your subscription renews. If you change your payment method mid-cycle, the old card is charged as scheduled, and the new one is charged on the following month's renewal date.
What if I want to use a different card each month?
You can add multiple cards to your account and switch your primary payment method whenever you want. Just make sure you change it before your billing date arrives. There's no limit to how many cards you can have on file.
Do I need to update my payment method if my card expires?
Yes. If your card expires, you need to add a new one before Spotify tries to charge you on your next billing date. If your card expires and Spotify can't charge it, your account will be suspended until you update your payment information.
Can I pause my subscription instead of changing my payment method?
Yes. If you don't want to be charged right now, you can pause your subscription through your Account settings instead of updating your payment method. When you're ready to resume, you can reactivate it anytime. This is an alternative if you're temporarily unable to pay.