# Clients can settle overdue payments themselves

When a membership renewal fails or an invoice goes overdue, your clients can now pay it themselves with one tap, on the web client portal and in the Consumer and branded apps. Nothing is ever charged automatically: every payment starts with the client pressing **Pay now**, and it uses the card they have saved. If their bank asks for 3-D Secure confirmation, the confirmation opens right away and the payment completes once they approve it.

- **Memberships** that are past due or paused for non-payment show the exact amount, when it was due and why the card was declined, on the client's Passes page (web) and on the pass in the apps. Once the payment goes through, the membership is active again straight away.
- **Invoices** that are sent, opened or overdue now have a **Pay now** button next to them on the web invoices page and in the app billing screen. It charges the balance still owed, in the invoice's own currency.
- **Payment needed** appears at the top of the web dashboard, on the branded app's home screen and on the Consumer app's Wallet (Passes) tab whenever something is outstanding. In the apps a client can hide it, and it comes back if the situation changes, for example after another failed renewal.
- A declined one-off charge, such as a fee, points the client to updating their card. Your team still collects it the usual way.

An invoice paid this way is recorded exactly like one paid through its payment link: a payment entry, the updated balance, course-installment and private-event bookkeeping, and the same payment confirmation email to the client. The invoice's payment link is then switched off. Membership receipts go out as before, and no other emails or text messages are added. Before charging, the platform looks for earlier payments on the same invoice: it completes the invoice from one the bank already approved, cancels unfinished ones, and stops so your team can check whenever an earlier payment no longer matches the balance. Payments are limited to five attempts a minute per client, one at a time per invoice. Staff tools in the Business app and the admin client profile are unchanged.

For developers and brand sites, `GET /api/v1/me/outstanding-payments` returns everything a client owes in a single call, along with the pay and confirm step for each item. See the member self-pay API reference.