Payment methods, receipts & billing history

How you update your payment method depends on how you’re billed — Apple, Stripe (web), or Flex (HSA/FSA). Ladder doesn’t have one universal “update card” screen.

If you subscribed through Apple (App Store): Apple owns the card on file for your Apple ID. Update it in your Apple ID account settings: https://support.apple.com/en-us/118429 Note: this change applies to every subscription tied to that Apple ID, not just Ladder. To view payment history: Settings → Media & Purchases → View Account → Purchase History.

If you subscribed through Stripe (joinladder.com / website):

1. Go to pay.joinladder.com/sign-in (you’ll land on Ladder Settings first — that’s expected).
2. Sign in with the same Apple ID you use for the Ladder app (Apple ID is the only sign-in method).
3. Tap “manage membership” to open the Stripe billing portal.
4. Update your payment method there.

If you pay through Flex (HSA/FSA): Don’t use Apple Settings or the Stripe portal — those won’t work for Flex billing. For card or billing issues on Flex, contact Ladder Support or Flex support through their app. Switching to an HSA/FSA card isn’t a simple payment-method update; it’s a different flow (often cancel-and-resubscribe via joinladder.com/withflex).

If you paid through Apple (App Store): Apple automatically emails a receipt to the email address associated with your Apple ID after each purchase. Check your inbox (and spam folder) for emails from Apple.

To view your full Apple purchase history on your iPhone: Settings > your name > Media & Purchases > View Account > Purchase History

You can also visit Apple's support page to view purchases or request a refund directly through Apple.

If you paid through Stripe (web/billing portal): Receipts are emailed to the address on your account after each charge. If you need a receipt resent, contact support.

If you paid with FSA/HSA through Flex: You should receive an itemized receipt by email that includes your name, the transaction date, the services purchased, and the amount charged. Check your inbox and spam/junk folder. If you can't find it, contact support.

If you have subscribed to Ladder but the app is not recognizing the subscription, try the following to restore your purchases:

Go to Settings > Membership & Billing > Restore Purchases.