> ## Documentation Index
> Fetch the complete documentation index at: https://faq.exode.biz/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment methods and statuses

> How a student can pay for a course, how card linking works and what the payment statuses mean

This page describes the ways a student pays for a purchase, how Exode saves a card for automatic charges and what each payment status means. Which methods are available in your school depends on the connected cash registers. See [Payment acceptance](https://faq.exode.biz/en/online-schools/sales-payments/accepting-payments) for details.

## What you can sell

| Purchase type | How it is paid |
| - | - |
| One-time purchase | The student pays the full amount at once |
| Installment | The student links a card, and payments are charged on a schedule. The first payment is usually charged at sign-up |
| Subscription | The student links a card, and the payment is charged every period: a week, a month or a year |
| Free access | The amount to pay is 0, for example with a 100% discount. No cash register is needed, the student clicks **Get access** |

See [Installments and subscriptions](https://faq.exode.biz/en/online-schools/sales-payments/installments.md) for more about installments and subscriptions.

## Payment methods

On the checkout page, the student chooses a payment method from the list. Their saved cards come first, then the school's cash registers.

### Going to the provider

The student clicks the payment button and goes to the provider's payment page or app: Payme, Click, Uzum, Multicard, Octo, T-Bank, Prodamus, as well as Atmos and Hamkor for Visa and Mastercard cards. After paying, they return to the invoice page in the school, where the status updates automatically.

For payment in the Uzum app on a computer, a window opens with the **Proceed to payment** button and the caption **Bank app will open**.

### Card on the school's website

For Atmos and Hamkor with Uzcard and Humo cards, as well as for Paylov, the student enters card details right on the school's website, on the **Card payment** page.

**1. The student enters the card details**

The **Card number** and **Card expiration date** fields, in MM/YY format. Some card types also require the CVC and **Cardholder's full name**. Then the student clicks **Get code**.

**2. The student confirms the payment with a code**

The bank sends an SMS to the phone number linked to the card. The student enters the code and clicks **Confirm code**. If the code did not arrive, they can click **Resend**, and to pay with a different card — **Another card?**.

### Payment form

For CloudPayments, payment can go through a payment form that opens on top of the school's page. While it is loading, the student sees **Opening the payment form...**. If the form did not load, the message **Failed to load the payment form** appears with the **Try again** and **Back to the invoice** buttons.

### Saved card

If the student has already linked a card through your school's cash register, it appears first in the list of payment methods. Its expiration date is shown under the card. When paying with a saved card, the money is charged immediately, without going to the provider.

A saved card is shown only while the cash register it was linked through is active.

## Card linking

A card is linked when the student sets up an installment plan or subscription through a cash register with automatic charges. You can't add a card to the account separately.

**1. The student sets up an installment plan or subscription**

They select a tariff and click **Pay in installments** or **Subscribe**.

**2. The student adds a card**

Depending on the cash register, they enter the card on the **Adding a card** page with confirmation by an SMS code, or on the provider's page.

**3. Exode saves the card**

The linking status changes to **Card added**. The card is assigned to the installment plan or subscription.

**4. The first payment is charged**

If the first scheduled payment falls on the sign-up day, Exode charges it from the linked card right away.

If the student has already set up an installment plan or subscription and chose a saved card, they don't need to link it again.

If the provider reports that the card is already linked, Exode shows the message **Card is already linked** and offers to log in to the account to return to payment.

### Student's cards

The student manages cards in the **Payments and bills** section of their account:

* the **Cards** block shows all saved cards, the date added and the expiration date;
* the **Remove card** button deletes the card from the system;
* in an installment plan or subscription, they can choose another saved card in the **Selected card** field and click **Save**.

A card used in an active installment plan or subscription can't be deleted. The student sees the message **The card is still in use** and the hint **Change the card for all active subscriptions and installments and try again**.

A staff member with the **School sales** permission can also change the card in a student's installment plan or subscription, but only to one of that student's active cards.

## Payment statuses

One invoice can have several payment attempts, and each has its own status. The invoice status in **Sales → Payments** comes from the most successful attempt: if at least one attempt is paid, the invoice is considered paid. An invoice shows **Unsuccessful** only if all attempts are unsuccessful.

| Status | What it means |
| - | - |
| **Created** | The payment attempt was created, but the student has not gone on to pay yet |
| **Awaiting payment** | The student went on to pay, Exode is waiting for the provider's response |
| **Awaiting card linking** | The student is setting up an installment plan or subscription and has not added a card yet |
| **In progress** | A charge from a saved card is in progress |
| **Paid** | The money was received, access was granted |
| **Card added** | The card for the installment plan or subscription is linked. The scheduled payment itself is counted separately |
| **Unsuccessful** | The provider declined the payment, or the attempt was canceled because the student started a new one |

When the student starts a new attempt for the same invoice, all unfinished attempts for this invoice change to **Unsuccessful**.

## Why a payment fails

If the provider passed a reason for the decline, the student sees it on the **Payment failed** screen in the **Reason for error** block. Common reasons:

* **Insufficient funds on the card**;
* **Card is blocked** or **Card expiration date has passed**;
* **Invalid verification code** or **Confirmation code has expired**;
* **Daily limit for this card has been exhausted** or **Card limit exceeded**;
* **The payment was declined by the card issuer** — the student needs to contact their bank;
* **Card is not supported**.

If the reason is unknown, Exode suggests **Try another card**.

## Frequently asked questions

> **Which cards does my school accept?**
>
> It depends on the connected cash registers. The supported payment systems are listed under the provider selection field in the cash register settings. On the checkout page, each cash register has a caption, for example **Uzcard • Humo** or **Visa • Mastercard**.

> **Why doesn't the student get an SMS with the code?**
>
> The bank sends the code to the phone number linked to the card. If SMS notifications are not enabled for the card or a different number is linked, the code won't arrive. The student can click **Resend** or pay with another card.

> **Can an installment be paid without linking a card?**
>
> Only if **One-time payment** is turned on in the tariff. Then the student pays the first payment as a regular payment, and the following ones themselves, using the invoice in the **Payments and bills** section. There are no automatic charges in this case.

> **The student wants to delete a card but can't. Why?**
>
> The card is used in an active installment plan or subscription. First choose another card in all active installment plans and subscriptions or wait until they end, then delete the card.

> **The student changed their card. How do I move the charges to it?**
>
> The student makes a purchase with the new card or chooses it in the **Selected card** field of the installment plan or subscription in the **Payments and bills** section. A school staff member can choose the card in **Sales → Installments** or **Sales → Subscriptions** if the new card is already saved for the student.

> **Why isn't a saved card shown on the checkout page?**
>
> A card is shown only while the cash register it was linked through is active. If the cash register was turned off or archived, cards linked through it are not offered for new payments.

> **Does the “Card added” status mean the student has paid?**
>
> No. It means the card is linked. The installment or subscription payment itself is charged separately and appears in **Sales → Payments** with its own status.

> **The payment was declined with the reason “The payment was declined by the card issuer”. What should I do?**
>
> The decline came from the student's bank, not from Exode. The student needs to contact their bank or pay with another card.

***

*Updated: 2026-10-15 18:08 UTC*


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