Owner or admin selects Manage billing on Settings → Billing and updates the card in Stripe. Members can see whether a card is on file. They cannot change it.
Update the card
Sign in as Owner or admin.
Open Settings → Billing.
Stay on Plan, or open Billing details.
Select Manage billing.
In Stripe, update the payment method, then return to ReachyReach.
Billing details shows the current card as brand ending in last4, or "No card on file". If the page says "Checkout on Plan first.", start a plan or pack checkout before a card exists.
A failed charge is a different article. After you save a working card, Stripe retries. Seats license again only when the subscription is active or trialing. Teammates stay free and do not use a seat. No seat is a badge, not a status, until that license returns.