Subscriptions & billing
How do I cancel my subscription or free trial?
Subscriptions are managed by Apple or Google, not by Payd. On iOS: Settings → your name → Subscriptions → Payd. On Android: Play Store → profile → Payments & subscriptions → Subscriptions → Payd. Cancel at least 24 hours before renewal to avoid being charged.
How do I get a refund?
Refunds are handled by the store you purchased through: Apple via reportaproblem.apple.com, Google via Play Store order history.
I subscribed but Pro isn't unlocked
Open Payd → Settings → Restore Purchases. If that doesn't resolve it, make sure you're signed in to the same App Store / Google account you purchased with, then email us.
Data, backups & moving phones
How do I move my data to a new phone?
On your old phone: Settings → Backup → Export, and save the file to iCloud Drive / Google Drive / anywhere you choose. On the new phone: install Payd, then Settings → Backup → Restore and pick the file.
I forgot my backup passcode
Encrypted backups use AES-256 with a key derived from your passcode. There is no recovery mechanism — Payd never stores or transmits the passcode. An unencrypted or newly exported backup is the only path forward.
Does Payd sync between devices automatically?
No — there's no server, by design. Use export/restore backups to move data, or Partner Sync to share a budget snapshot with someone else.
App behavior
Notifications aren't firing
Check that notifications are allowed for Payd in your system settings. On Android, also disable battery optimization for Payd and allow exact alarms so reminders fire at the exact time set. Reminders are scheduled on-device, so no connection is needed.
Stock prices aren't updating
Price lookups are the one feature that needs a connection. Payd tries Yahoo Finance first, then Finnhub and Alpha Vantage if you've added your own free API keys in Settings. If lookups fail repeatedly, test your API key in Settings or try again later — providers rate-limit free requests.
The screenshot import didn't recognize my holdings
Recognition runs entirely on your device and works best on a crisp, full-resolution screenshot of your brokerage's positions list. Crop out unrelated UI if recognition struggles. Every row is shown for your review before anything is saved — nothing is imported without your confirmation.
Privacy
Where can I read exactly what Payd does with data?
The full, source-verified white paper is at paydplanner.com/privacy. The short version: no bank login, no server, no analytics — the only things that ever leave your device are a stock ticker (if you use the Portfolio tab) and an anonymous purchase event (if you subscribe).
How do I delete everything?
Settings → Reset All Data erases every category of data Payd stores. Deleting the app afterward also removes the anonymous subscription identifier held by RevenueCat's SDK.