Where to find your payment settings on Netflix
Netflix stores your payment method in your account settings, not in your profile. You reach it by going to your account page — the same place where you change your password or manage who can watch on your account. The exact steps depend on whether you are using a web browser, phone app, or TV app, but the destination is always the same.
On a computer or phone browser, sign into Netflix, then look for your profile icon in the top right corner. Click or tap it, then select "Account" from the menu that appears. You will see a section called "Membership and billing" — that is where your current payment method shows up. On a phone or tablet app, tap the "More" icon (three horizontal lines) at the bottom right, then tap "Account," then scroll down to find the payment section.
On a TV app, you cannot change payment directly from the television. You have to use a web browser or phone instead, sign into the same Netflix account, and make the change there. The TV app will recognize the new payment method the next time you use it.
Key Takeaways
- Your payment method lives in your account settings under "Membership and billing," not in your profile or app preferences.
- You can add a new payment method without removing the old one, then choose which one Netflix charges.
- Netflix charges on the same day each month that you signed up, and changing your payment method does not change that date.
- If your payment method fails, Netflix will try again for a few days before pausing your account, giving you time to update it.
- Removing a payment method only works if you have another one on file — Netflix will not let you delete your last payment method.
Adding a new payment method without removing the old one
Netflix lets you keep multiple payment methods on your account at the same time. This is useful if you want to test a new card before removing an old one, or if you want to switch between payment sources. To add a second method, go to "Membership and billing" and look for a button that says "Add payment method" or "Add a way to pay." Click it and enter the new card details, digital wallet information, or other payment source.
Once you have added the new method, Netflix will show you both options. You will see which one is currently set as your primary — that is the one Netflix will charge first. To switch which one Netflix uses, find the payment method you want to use and look for an option to make it primary or set as default. Click that, and Netflix will charge the new method on your next billing date.
You can now remove the old payment method if you want. Find it in your payment list and select the option to remove or delete it. Netflix will not let you delete a payment method if it is your only one on file, so you have to add a new one first.
Changing to a digital wallet like Apple Pay or Google Pay
If you came from reading about digital wallets, you may want to switch Netflix to charge through one instead of a card. Netflix accepts Apple Pay, Google Pay, and PayPal on most devices and regions. The process is the same as adding any other payment method: go to "Membership and billing," select "Add payment method," and choose the wallet option.
When you select Apple Pay or Google Pay, Netflix will prompt you to authenticate through that wallet — you may need to use your fingerprint, face recognition, or password depending on your device. Once authenticated, the wallet is added to your Netflix account. You can then set it as your primary payment method the same way you would a card.
One thing to know: Netflix charges through the wallet using the default payment method you have set in that wallet. So if your Apple Pay is set to charge a specific credit card, Netflix will charge that card. If you change which card Apple Pay uses as default, Netflix will automatically charge the new card on the next billing date.
What happens on your billing date after you change payment
Netflix charges your account on the same day each month that you originally signed up. Changing your payment method does not change that date. If you signed up on the 15th, Netflix will charge you on the 15th of every month, regardless of when you switched payment methods.
If you add a new payment method today but your billing date is not until next week, Netflix will charge the old method on that date. The new method will not be charged until the following month — unless you manually change which method is primary. If you want the new method charged sooner, you can go into your account and request an when ready charge, though this is not necessary.
If your current payment method fails — the card is declined, the account is closed, or the digital wallet is no longer available — Netflix will try to charge it again for several days. During this time, you can update your payment method and Netflix will attempt to charge the new one. If no payment method works after a few days, Netflix will pause your account. You can resume it when ready once you add a working payment method.
Removing a payment method you no longer use
To remove a payment method, go to "Membership and billing," find the method you want to delete, and look for a "Remove" or "Delete" option. Click it and confirm. Netflix will ask you to confirm because once it is gone, it is gone — you cannot undo the deletion from your account settings.
Netflix will not let you remove your only payment method. If you have only one card or wallet on file and you want to remove it, you have to add a new payment method first, set it as primary, and then remove the old one. This prevents you from accidentally locking yourself out of your account.
If you are removing a payment method because the card is expiring or the account is closing, do this before the expiration date if you can. That way, if Netflix tries to charge it before you remove it, the charge will fail and you will have time to update your account before your service pauses.
Troubleshooting a payment method that keeps failing
If Netflix keeps saying your payment method failed, the problem is usually one of a few things: the card is expired, the card issuer is blocking Netflix for fraud protection, the billing address does not match what the bank has on file, or the card has insufficient funds. Start by checking the card itself — look at the expiration date and make sure there is money available.
If the card is current and has funds, contact your bank or card issuer. Tell them you are trying to charge Netflix and ask if they are blocking the transaction. Many banks flag recurring charges as suspicious the first time, especially if you have never used that card with Netflix before. The bank can whitelist Netflix so future charges go through.
If you have already tried a different card and it also failed, the problem may be your billing address. Go back to "Membership and billing" and check that the address matches exactly what your bank has on file — including spelling, abbreviations, and capitalization. If it does not match, update it and try again. If you are still stuck, remove the failing payment method and add a different one.
Frequently Asked Questions
Can I change my payment method on the Netflix app on my phone?
You can view your payment method on the phone app, but you cannot change it there. You have to use a web browser or computer to add, remove, or switch payment methods. Open Netflix in your phone's web browser, sign in, and go to account settings to make the change.
Will changing my payment method affect my subscription or my watch history?
No. Your subscription, profiles, watch history, and saved shows stay exactly the same. Changing payment is just telling Netflix which card or wallet to charge — nothing else on your account changes.
What if I want to use a different payment method for each profile in my household?
Netflix does not support different payment methods per profile. All profiles on the same account are charged through the same payment method. The account holder controls which payment method is used for the entire account.
How long does it take for Netflix to recognize a new payment method?
Netflix recognizes a new payment method when ready after you add it. You can set it as primary right away, and it will be charged on your next billing date. There is no waiting period.
Can I change my payment method if my account is paused?
Yes. Even if your account is paused because of a failed payment, you can still log in and update your payment method. Once you add a working payment method, your account will resume automatically, usually within a few minutes.