Coinepay | How to Pay for Insomnia with a Virtual Card (Step-by-Step Guide)

Insomnia is Kong's API client for designing, debugging and testing APIs. Its paid tiers add collaboration and cloud features, and they are billed online through Stripe. This guide walks through creating your account, choosing a plan and paying with a Coinepay virtual card, then covers what to check if your card is declined. For anything about your specific card — balance, billing details or whether it fits a particular merchant check — look in the Coinepay app or reach out to Coinepay support.

What you need before you start

Set these up first so checkout goes smoothly:

A registered Coinepay account with identity verification (KYC) completed. If you have not signed up yet, you can create an account and finish verification before you buy.
A Coinepay virtual card issued from your dashboard, so you have the card number, expiry date and CVV ready. Download the app for iOS or Android to manage it on the go.
Enough available balance on the card to cover the plan price plus any tax that may be added at checkout.
Your real billing details — name, address and country — exactly as held in your Coinepay profile. Insomnia's payment processor matches these during authorization.

Insomnia's published pages say paid subscriptions require a "credit card," and they do not enumerate which card brands or whether debit, prepaid or virtual cards are accepted. Because that acceptance is not confirmed, contact Coinepay support to confirm your card meets this requirement before you buy.

Insomnia plans and pricing

Insomnia lists three tiers plus a free local-only option:

Plan	Who it suits	Payment
Essentials	Individuals wanting the core client	No payment required
Pro	Small teams needing collaboration	Credit card only
Enterprise	Organisations up to 50 users (self-serve)	Custom payment options

There is also Scratch Pad, a free way to use Insomnia locally without logging in — it is not a paid tier. At the time of writing (October 2026), the pricing page showed Essentials at $0/user/month, Pro at $12/user/month and Enterprise at $45/user/month on monthly billing, with annual billing advertised as "Save 17%." The page does not label the currency, and annual and region-specific prices were not verified, so always check the current figures on the official insomnia.rest pricing page before you pay. Taxes may be added to the listed fees. Mock-server usage is metered — Essentials includes 1,000 requests per month and Pro 10,000, with additional requests priced separately.

Step 1: Create your Insomnia account

Go to app.insomnia.rest and use a sign-up option to create your account.
Follow the passphrase prompt that Insomnia shows during setup — this protects your encrypted data, so store it safely.
You now have a free Essentials account. No card is required to stay on the free plan.

Step 2: Choose Pro or start an Enterprise trial

From the dashboard, select Upgrade to move to Pro or Enterprise. The pricing page's Buy Now buttons also lead into Insomnia's app.
For Pro, confirm the number of seats you need, since billing is per user.
Enterprise offers a 14-day trial that requires no card. The trial expires automatically and returns you to your previous plan, so you will not be charged unless you choose to continue.
Self-serve Enterprise access is granted after card payment; Enterprise bought through sales uses an activation code instead.

Step 3: Pay with your Coinepay virtual card

Payment transactions are handled by Stripe. When the checkout form appears:

Enter your Coinepay virtual card number, expiry date and CVV exactly as shown in your dashboard.
Enter the billing name, address and country that match your Coinepay profile. A mismatch here is one of the most common reasons an authorization fails.
Review the plan, seat count, billing period and any tax before confirming.
If your bank prompts a 3-D Secure (identity) challenge, complete it in the Coinepay app to approve the charge.
Submit the payment. Once it succeeds, your paid features activate and you can review the charge later.

You can enter or update invoice details when creating or updating a subscription, and view past charges in Invoice History.

Where to manage billing later

After you subscribe, find your billing controls in these places:

Plan & billing in Insomnia Admin shows your current plan and charges.
For seat changes, Kong also documents app.insomnia.rest → Account → Change Subscription. Subscription changes are prorated.
A replacement card becomes your default payment method. Kong's account FAQ directs users to Sales to update card details, so reach out there if you need to switch cards.

Troubleshooting: card declined or payment failed

Insomnia does not publish its own list of checkout error messages, and the examples below are general processor causes rather than confirmed Insomnia user reports. Work through them in order:

Insufficient balance

Make sure your Coinepay card holds enough to cover the plan price plus any tax added at checkout. Top up in the Coinepay app and try again. Remember Pro is billed per user, so multiply the per-user price by your seat count.

Billing address mismatch

The name, address and country on the Insomnia checkout must match what is on file for your Coinepay card. Re-enter them carefully — even a wrong postcode or country can cause a decline.

3-D Secure not completed

If an authentication prompt appears and times out or is dismissed, the charge is rejected. Keep the Coinepay app open and notifications enabled so you can approve the verification quickly.

Expired card or wrong CVV

Confirm the expiry date and CVV against your Coinepay dashboard. If the card has been reissued, use the current details.

Card type or region checks

Insomnia's pages say "credit card" without listing accepted brands or card types, and its terms prohibit use that breaks applicable export-control or sanctions laws. If a payment is refused and your details are all correct, the issue may be a card-type or regional check on the merchant side. Contact Coinepay support to confirm your card meets the requirement, and verify you are eligible to purchase under Insomnia's terms.

Looks like you were charged twice

Kong notes that banks may display multiple attempts because of currency differences, while Stripe processes a single charge per billing cycle. Check your Invoice History and your Coinepay transaction list before assuming a duplicate; contact Coinepay support if a pending hold does not clear.

Cancellations and refunds

Cancel in Insomnia's Account section and confirm the cancellation actually completed — the terms state that an email requesting cancellation does not count. Fees are payable in advance and non-refundable under Kong's terms, and deleting your account stops future charges but does not refund earlier payments. Cancel before your next renewal date if you do not want to be billed again.

Keep your Coinepay card ready for other tools

The same Coinepay virtual card can cover other developer subscriptions, AI tools, advertising and online shopping, all managed from the 24/7 dashboard. Businesses can also issue a separate card per expense or ad account with its own spending limit. Explore more on the Coinepay site, and reach the team through support or Telegram if you have questions before you buy.

Get your Coinepay virtual card: Sign up · App Store · Google Play · Customer support

FAQ

Does Insomnia require a card for the free plan?

No. Essentials is $0 and needs no payment, and the Enterprise 14-day trial requires no card and expires automatically back to your previous plan. Only paid subscriptions like Pro require a card.

Can I use a Coinepay virtual card to pay for Insomnia Pro?

Insomnia says paid plans need a 'credit card' and processes payments through Stripe, but it does not list which card types it accepts. Contact Coinepay support to confirm your card meets the requirement before you buy.

Why was my Insomnia payment declined?

Common causes are insufficient balance, a billing address that does not match your card profile, an uncompleted 3-D Secure prompt, an expired card or wrong CVV, or a merchant card-type or region check. Correct the details and retry, or contact Coinepay support.

It looks like I was charged more than once — what happened?

Kong notes that banks can display multiple attempts due to currency differences, while Stripe processes one charge per billing cycle. Check Insomnia's Invoice History and your Coinepay transactions before assuming a duplicate charge.

How do I cancel my Insomnia subscription?

Cancel in Insomnia's Account section and confirm it completed; the terms say an email request does not count. Fees are paid in advance and non-refundable, so cancel before your next renewal date.

How to Pay for Insomnia with a Virtual Card (Step-by-Step Guide)