Significant-Gravitas/AutoGPT · error · HTTPException

Your card was declined. The plan was not changed; please upd

Error message

Your card was declined. The plan was not changed; please update your payment method and try again.

What it means

HTTP 402 raised when the subscription modify auto-charge fails with a Stripe CardError that is NOT an SCA code - i.e. a hard decline (card_declined, insufficient_funds, expired_card, etc.). error_if_incomplete guarantees the modify was rolled back, so the plan is unchanged and the user must fix the payment method and retry.

Source

Thrown at autogpt_platform/backend/backend/api/features/v1.py:1216

            "authentication_required",
            "subscription_payment_intent_requires_action",
        }:
            logger.warning(
                "SCA required on subscription upgrade for user %s: %s", user_id, e
            )
            raise HTTPException(
                status_code=402,
                detail=(
                    "Your bank requires extra authentication for this charge."
                    " The plan was not changed; please retry from the billing"
                    " portal so you can complete authentication, or contact"
                    " support."
                ),
            )
        logger.warning(
            "Card declined on subscription upgrade for user %s: %s", user_id, e
        )
        raise HTTPException(
            status_code=402,
            detail=(
                "Your card was declined. The plan was not changed; please"
                " update your payment method and try again."
            ),
        )
    except stripe.InvalidRequestError as e:
        # Stripe's e.param is documented as nullable, so we match by typed
        # field first and fall back to substring when param is absent.
        msg_lower = (e.user_message or str(e)).lower()
        # "No payment method" presents as InvalidRequestError (not CardError)
        # when error_if_incomplete fires with no default PM. Stripe signals
        # this with code=resource_missing/missing — sometimes with a typed
        # param, sometimes without (the raw "no attached payment source"
        # message has empty param). Map it to 402 either way.
        if e.code in {"resource_missing", "missing"} and (
            e.param
            in {

View on GitHub (pinned to 9c8bb5550f)

Solutions

Update the payment method (add a valid card) in the billing portal, then retry the upgrade
Check for sufficient funds / contact the issuing bank if declines persist
Verify you are using Stripe test cards only against test-mode keys

Defensive patterns

Strategy: try-catch

Try / catch

try { await api.setSubscription(req); }
catch (e) {
  if (e.status === 402 && /declined/.test(e.detail)) promptUpdateCard();
  else throw e;
}

Prevention

Prompt for a new card on the declined message instead of retrying
Pre-validate cards with a small setup-intent flow where possible

When it happens

Trigger: Upgrading a tier with an expired card, a card with insufficient funds, or a card the issuer outright declines.

Common situations: Expired/replace card still set as default; insufficient credit limit; issuer fraud blocks on unexpected charges; test cards like 4000000000000002 in non-test mode.

Related errors

AI-assisted analysis of Significant-Gravitas/AutoGPT@9c8bb5550f (2026-08-14). Data as JSON: /api/errors/80e17e622bfe56dc. Report an issue: GitHub.