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Using Sprout

Missed payments

What happens if a payment fails, the grace period, and how to catch up.

If a payment doesn’t go through, your recipient is never affected and nothing gets more expensive. Here is exactly what happens, and how to get back on track.

  1. Due date

    Payment due. Autopay collects it.

  2. Days 1 to 3

    Grace period. Pay any time; nothing changes.

  3. After day 3

    Overdue. New sends pause.

  4. You catch up

    Sends resume. Your schedule carries on.

Current policy: a 3-day grace period, no late fees. It may change during early access.

Why a payment fails

Almost always, autopay couldn’t collect: the wallet didn’t hold enough USDC, or autopay’s approval had been revoked. The app marks the payment as due and shows you what’s owed.

The grace period

You have 3 days after the due date to make the payment. Pay any time in those 3 days and it’s as if nothing happened. There are no late fees.

After the grace period

  • The payment is overdue. Your plan stays open and your schedule carries on.
  • New sends pause until you’re caught up. Your other plans aren’t affected.
  • Your limit stops growing while anything is overdue.
  • What you owe doesn’t change. No interest, no late fee, nothing added.
  • Your recipient keeps every cent. Sprout never claws back a transfer.

Catching up

Open the plan and pay the overdue amount. Payments go to the oldest one first, so Pay next payment always clears what’s overdue. The moment you’re current, sends resume.

If you can’t pay

Write to us at help@sproutpay.cc, ideally before the due date. The earlier we hear from you, the more we can help.