# Billing and Payments

Everything you need to know about how Nifty billing works.

### Billing cycle

* Nifty bills monthly or yearly, depending on the plan you selected.
* Your billing date is the day your paid subscription started.
* **Smart Credits** are allocated monthly, even with a yearly plan.

### Accessing the customer portal

Most billing and subscription tasks happen in the **Customer portal**, including updating payment information, viewing invoices, and canceling your subscription.

1. Go to Settings → [**Subscription**](https://app.nifty.ai/settings/subscription).
2. Click **Customer portal**.

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**Tip:** If nothing happens when you click **Customer portal**, try a different browser. Some versions of Safari may block the new window as a pop-up.
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### Updating your payment method

In the [**Customer portal**](#accessing-the-customer-portal), click on your payment method to update your billing information.

### Failed payments

If your payment method fails, we'll notify you and provide a grace period to update your payment information. During this time, your automations and **Sale Detection** will be paused, but your account data remains secure.

Once payment is resolved, follow the steps in [Getting Back On Track](https://docs.nifty.ai/getting-started/getting-back-on-track) to get Nifty running again.

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**Warning:** If payment isn't resolved within the grace period, your subscription will be canceled.
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### Yearly billing

Switch to yearly billing and save up to 12% compared to monthly pricing. You can change your billing cycle from the [**Customer portal**](#accessing-the-customer-portal).

### Invoices

To view or download past invoices, go to the [**Customer portal**](#accessing-the-customer-portal) and select your invoice history.