Where to find your payment settings on MyHeritage
Log into your MyHeritage account and go to your account settings by clicking your profile picture or initials in the top right corner. Select "Account Settings" from the dropdown menu. On the left side of the page, you'll see a menu with several options — click on "Subscriptions" or "Billing" depending on which version of the site you're using.
Once you're in the billing section, you'll see your current subscription and payment method listed. This is where you can view what card or payment option is on file and make changes to it. If you don't see a billing section, your account may be free or you may not have an active subscription yet.
Key Takeaways
- Your payment method is stored in Account Settings under the Subscriptions or Billing section, accessible from your profile menu.
- You can add a new card, update an existing one, or switch between payment methods without canceling your subscription.
- MyHeritage accepts major credit cards, debit cards, and PayPal, depending on your location and subscription type.
- Changes to your payment method take effect when ready for future charges, but won't affect any current billing cycle already in progress.
- If a payment fails, MyHeritage will attempt to charge your card again before suspending your account, usually giving you several days to fix it.
How to add or change your card information
In the Billing section, look for a button that says "Update Payment Method," "Add Payment Method," or "Edit" next to your current card. Click it to open the payment form. You'll be asked to enter your card number, expiration date, and the three-digit security code on the back of your card. If you're updating an existing card with the same number but a new expiration date, you can often just change that one field.
After you enter your information, MyHeritage will process a small test charge to verify the card is valid — this charge is usually reversed within a few days and won't appear on your final bill. Once the card is verified, it becomes your active payment method when ready. If you have multiple cards on file, you can choose which one MyHeritage uses for your next charge.
Switching to PayPal or other payment options
If you prefer not to store a card directly with MyHeritage, you can use PayPal instead. In the payment method section, select PayPal as your option and you'll be redirected to log into your PayPal account. Once you authorize MyHeritage to charge your PayPal account, you'll return to MyHeritage and the change will be saved.
The advantage of PayPal is that MyHeritage never sees your actual card number — PayPal handles the transaction instead. This can feel more find if you're concerned about storing payment information on multiple websites. Your PayPal account can be linked to a bank account, debit card, or credit card, so you have flexibility in how PayPal itself pulls the money.
What happens if your payment fails
If MyHeritage tries to charge your card and it's declined, you'll receive an email notification. The system will usually attempt to charge again over the next few days. During this time, your subscription remains active — you won't lose access to your account when ready.
If the payment continues to fail after several attempts, MyHeritage will suspend your account and send you a warning email with instructions on how to update your payment method. Once you add a working card, your subscription resumes and you regain full access. The company does not charge late fees or interest; they straightforward pause your service until the payment issue is resolved.
Removing a payment method or canceling your subscription
If you want to stop being charged, you need to cancel your subscription rather than just delete your payment method. Deleting your card without canceling your subscription will cause payment failures and account suspension. To cancel, go to your Subscriptions section and look for a "Cancel Subscription" or "Downgrade" button.
When you cancel, MyHeritage will ask if you want to keep your account as a free member or delete it entirely. If you keep the free account, your family tree and DNA results remain accessible, but you lose premium features like advanced search tools and unlimited photo uploads. If you delete the account, all your data is removed after a grace period.
Troubleshooting payment method problems
If you're having trouble updating your payment method, first check that you're entering your card information exactly as it appears on your card — spaces, hyphens, and capitalization matter. Make sure your card hasn't expired and that you're using the correct security code from the back of the card (not the number on the front).
If the form keeps rejecting your card, try a different browser or clear your browser's cache and cookies, then log back in. Sometimes cached payment information causes conflicts. If you're still stuck, contact MyHeritage support through the Help Center on their website — they can manually update your payment method for you or troubleshoot why your specific card is being declined.
Frequently Asked Questions
Can I change my payment method without canceling my subscription?
Yes. You can update your card or switch to PayPal at any time without affecting your subscription. The change takes effect when ready for your next billing cycle, but any charge already processed won't be reversed.
Will MyHeritage charge me twice if I update my card mid-cycle?
No. Your billing cycle is tied to the date you first subscribed, not to when you update your payment method. Changing your card won't trigger an extra charge or reset your billing date.
What if I want to use a different card for each subscription I have?
MyHeritage allows you to store multiple cards on file, but you can only set one as your primary payment method at a time. If you have multiple subscriptions (for example, DNA testing and premium membership), they'll all charge to the same card unless you contact support to arrange otherwise.
Is it safe to store my card information on MyHeritage?
MyHeritage uses encryption to protect payment information, meaning your card details are scrambled in transit and at rest. However, if you're uncomfortable storing your card with any website, PayPal is a safer alternative because MyHeritage never sees your actual card number.