Managing Payment Methods for Your Luminous Subscription
Who can do this: Account admins only.
Getting there
- Click your user name (Luminous Admin menu) in the top-right corner and choose Settings.
- Under the Account section, click Billing.
- Scroll to the Payment Methods section.
Each card or payment method on file shows:
- Card brand and last four digits (or bank account ending)
- Expiration date (for cards)
- A health badge indicating its current status (see below)
- Whether it is marked as the default method
Payment method health badges
| Badge | Meaning |
|---|---|
| Active (green) | The method is in good standing and has been charged successfully |
| Expiring soon (yellow) | The card expires within 60 days — add a replacement before it expires |
| Expired (red) | The card is past its expiry date and cannot be charged |
| Payment failed (red) | The last charge on this card was declined by the issuing bank |
| Not yet verified (blue) | The card was just added and has not completed a successful payment yet |
Adding a new payment method
- Click Add card.
- A secure card-entry form appears inside Luminous (powered by Hyperline). Card data is entered directly into the provider's hosted form and never touches Luminous servers.
- Complete the form and close the dialog.
- The payment method list refreshes automatically. The new card will show a Not yet verified badge until the next billing cycle processes a charge against it.
Removing a payment method
Click the three-dot menu next to a card and select Remove. Confirm the dialog.
The replace-then-remove guardrail prevents you from removing a card unless at least one other payment method on the account has already completed a successful charge. This means:
- If the card you want to remove is the only method on the account, you must add another card first.
- If you have added a new card but it shows Not yet verified, you must wait until Luminous has successfully billed that card before you can remove the old one. A pending card does not count as a proven replacement.
- Once a replacement card reaches Active status (i.e., a charge has gone through), the old card becomes removable.
If removal is blocked, the system will display an actionable message explaining exactly what is needed.
Why this rule exists: Credit card limits are not exposed by any payment network or provider, so there is no way to verify in advance that a replacement card can cover the balance. The guardrail ensures the account always retains at least one card that has demonstrably worked.