Where to find your payment settings

You can change your payment method on Spotify through your account settings on any web browser or through the Spotify app on your phone. The steps differ slightly depending on which device you use, but both routes lead to the same payment information page.

On a computer, go to spotify.com, sign in to your account, and click your profile name in the top right corner. Select Account from the dropdown menu. On the Account page, look for the Billing section on the left side and click Payment methods. This is where you'll see your current payment method and the option to add a new one.

Key Takeaways

  • You can update your payment method through your account settings on Spotify's website or mobile app at any time.
  • Spotify accepts credit cards, debit cards, PayPal, and gift cards as payment methods depending on your country.
  • When you add a new payment method, Spotify may charge a small amount to verify the card, which will be refunded within a few days.
  • If your current payment method fails, Spotify will attempt to charge your backup payment method if you have one set up.
  • Removing a payment method is permanent and cannot be undone, so make sure you have another valid method before deleting one.

Adding a new payment method on the web

Once you're in the Payment methods section, click the Add a payment method button. You'll see options for the payment types Spotify accepts in your region. Most countries support credit cards and debit cards. Some regions also offer PayPal, Google Play credit, or Apple ID billing.

If you choose a card, enter the full card number, expiration date, and the three-digit security code on the back. Include your billing address exactly as it appears on your card statement. Spotify will process a small temporary charge (usually between $0.01 and $2) to verify the card is valid. This charge will appear on your statement and will be refunded automatically within three to five business days.

Once you've entered all the information, click Add card or Add payment method depending on your payment type. The new method will appear in your payment methods list immediately.

Changing your payment method on mobile

On the Spotify mobile app, tap the Home icon at the bottom, then tap your profile icon in the top right corner. Select Settings and privacy, then scroll down and tap Billing. You'll see Payment methods listed there.

Tap Add a payment method and follow the same process as on the web version. Enter your card details or choose an alternative payment option available in your country. The verification charge will work the same way on mobile as it does on the web.

Setting a primary payment method

If you have more than one payment method saved, you can choose which one Spotify charges first. On the web, go to your Payment methods page and look for the payment method you want to use. Click the three dots next to it and select Make primary. On mobile, swipe left on the payment method you want to set as primary and tap Make primary.

Spotify will charge your primary payment method each billing cycle. If that charge fails, Spotify will try any backup payment methods you have saved in the order they appear in your list. This means you can set up a second card as a backup in case your main card is declined or expired.

Removing a payment method

You can delete any payment method from your account at any time. On the web, click the three dots next to the payment method you want to remove and select Delete. On mobile, swipe left on the payment method and tap Delete. Spotify will ask you to confirm before removing it.

Keep in mind that you must have at least one valid payment method on your account at all times to keep your subscription active. If you delete your only payment method, your subscription will be paused until you add a new one. You cannot undo a deletion, so make sure you have another payment method ready before you remove one.

What happens if a payment fails

If Spotify tries to charge your primary payment method and the charge is declined, you'll receive an email notification. Spotify will attempt to charge again over the next few days. If you have a backup payment method saved, Spotify will try that one as well.

If all payment attempts fail, your Spotify account will be paused. You won't lose your playlists or saved songs, but you won't be able to stream music until you update your payment information. Log back into your account, go to your Payment methods page, and either update your existing card details or add a new payment method. Your subscription will resume once the payment goes through.

Payment methods by country and region

The payment options available to you depend on where you live. Most countries accept major credit and debit cards like Visa, Mastercard, and American Express. Some regions also support PayPal, which lets you use your PayPal balance or a linked bank account instead of entering card details directly.

In certain countries, you can also pay using gift cards purchased from retailers or Spotify's website. If you're using a family plan, only the plan owner can change the payment method. Other family members cannot modify billing information.

Frequently Asked Questions

Why is Spotify charging a small amount to verify my card?

Spotify charges a small temporary amount (usually $0.01 to $2) to confirm your card is valid and active. This charge appears on your statement but is automatically refunded within three to five business days. It's a standard security practice that protects both you and Spotify from fraudulent cards.

Can I change my payment method if my subscription is paused?

Yes. Even if your subscription is paused due to a failed payment, you can still log in and update your payment method. Once you add or update a valid payment method, your subscription will resume automatically and you'll be charged for the current billing period.

What if I want to use a different card for each billing cycle?

You can save multiple payment methods and change which one is primary whenever you want. However, Spotify will only charge one method per billing cycle — the one marked as primary. You would need to manually change your primary payment method before each billing date if you want to rotate between cards.

Does Spotify store my full card number?

No. Spotify stores a tokenized version of your card information, not the full card number. This means your actual card details are encrypted and secured by payment processors, not stored directly on Spotify's servers. You only need to enter your full card number once when you first add it.

Can I change the payment method on a family plan?

Only the account owner of a family plan can change the payment method. If you're a family member on someone else's plan, you cannot modify billing information. The plan owner needs to log into their account and make any payment changes through their own Payment methods page.