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

PandaDoc is document automation and e-signature software used to create, send and sign proposals, quotes and contracts. If you want to put a paid plan on a Coinepay virtual card instead of your everyday card, this guide walks through what you need, the exact sign-up and billing steps inside PandaDoc, and how to troubleshoot a declined charge. Prices and plan names below are drawn from PandaDoc's own pricing and support pages as observed in October 2026 — always confirm the current figures on PandaDoc's official pricing page before you buy.

What you need before you start

A Coinepay account with identity verification (KYC) completed. You can register with Coinepay and finish verification first, then create your card. Card and fund services are provided by licensed partner institutions, and some services are not available in every jurisdiction.
A Coinepay virtual card with its card number, expiry date and CVV, which appear instantly in the Coinepay dashboard or mobile app.
Enough balance on the card to cover the plan plus any applicable taxes.
Your real billing details (name and billing address) that match your Coinepay account.
A PandaDoc account where you are the account owner — only the owner can see Billing and Payment details.

PandaDoc lists Visa, Mastercard and American Express credit cards for its own subscription, and its decline guidance also suggests trying another credit or debit card; acceptance of every debit-card network is not spelled out. Because Coinepay does not publish which network or card type applies to your individual card, it is worth confirming your card meets PandaDoc's requirement before you rely on it. Contact Coinepay support to check your card details if you are unsure.

PandaDoc plans and prices

PandaDoc's plan comparison names four tiers: Free eSign (shown as Free on the pricing page), Starter, Business and Enterprise. At the time of writing (October 2026), the US pricing page showed:

Plan	Annual billing	Monthly billing
Free eSign	$0	$0
Starter	$19/user/month	$35/user/month
Business	$49/user/month	$65/user/month
Enterprise	Quote required	Quote required

Published prices exclude applicable taxes. PandaDoc's localized pages for Germany, the Netherlands and Spain displayed the same USD figures (Starter $19, Business $49 per seat/month on annual billing) rather than local-currency prices. A GBP list price for the UK was not confirmed, so do not assume the US figure is your final charge there. On EU-hosted accounts, billing is limited to annual or multi-year contracts, so monthly pricing from the US site may not be available. Check PandaDoc's official pricing page for the figure that applies to your account.

Step 1: Create your account or start a trial

From the pricing page, PandaDoc offers Sign up for Free, Start a free trial for Starter, Request a demo for Business and Get a quote for Enterprise. The free account and the trial do not require a credit card at sign-up. The paid-plan trial lasts 14 days and new trial accounts default to Business Monthly. Note that if you leave payment details on file, the account is automatically charged for its selected plan when the trial ends, so decide whether you want that before adding a card.

Step 2: Select your paid plan

When you are ready to pay, sign in as the account owner and go to Settings → Billing → Manage plan → Select plan. Adjust the number of seats and your billing frequency (monthly or annual, where available), then choose Confirm changes. Selecting a plan on its own does not change your subscription — the confirmation step is what applies it.

Step 3: Add your Coinepay virtual card

Payment methods, billing address, VAT information and invoice history live under Settings → Payment details. PandaDoc's own subscription accepts credit card or PayPal here. To pay with your Coinepay card:

Open Settings → Payment details.
Enter the virtual card number, expiry date and CVV exactly as shown in your Coinepay app.
Enter the billing address that matches the one on your Coinepay account.
Add your VAT information if your account requires it.
Save, then confirm the plan change so the charge is applied.

PandaDoc's billing guide also describes an Add backup method option under Payment details. Adding a second payment method can help your subscription keep running if the primary card fails at a renewal.

Step 4: Confirm the charge went through

After payment, check that your plan shows as active under Settings → Billing and that an invoice appears in your invoice history. Keep the invoice for your records. In the Coinepay app you can confirm the matching transaction and remaining balance.

Troubleshooting a declined card

PandaDoc's billing FAQ lists several reasons a subscription charge can be declined: an incorrect card number, expiry date or billing address, or a bank security block on an unfamiliar charge. Exact on-screen error wording is not published, so work through the causes below. PandaDoc's own advice is to check your details, try another card, contact your bank, or contact its support.

Insufficient balance

Make sure your Coinepay card holds enough to cover the plan plus taxes, and remember annual plans charge the full term up front. Top up in the Coinepay app and retry.

Billing address mismatch

The billing address in PandaDoc must match the details registered to your Coinepay card. Re-enter it carefully in Settings → Payment details and save again.

Card number or expiry entered incorrectly

Copy the number, expiry and CVV directly from your Coinepay app rather than typing from memory, and remove any spaces.

3-D Secure or a bank security block

Banks can block an unfamiliar charge. If your Coinepay card supports an authentication or approval step, complete it in the app when prompted. If the first attempt is rejected automatically, wait a moment and try again.

Card type or region checks

PandaDoc names Visa, Mastercard and American Express for subscriptions and permits use only outside US-embargoed or otherwise restricted jurisdictions. Its policy is not a full country-by-country card-acceptance list. If a charge keeps failing and your details are correct, contact Coinepay support to confirm your card meets PandaDoc's requirements, and contact PandaDoc support about the specific decline.

Subscription payments vs. collecting payments in a document

Paying for your PandaDoc plan is separate from collecting payments from your own clients through a PandaDoc document. Document payments run through configured gateways such as Stripe, PayPal, QuickBooks Payments, Square and Authorize.net; recipients sign, select Pay and use an enabled method. On EU-hosted accounts, Stripe is the only supported document-payment gateway. The new document experience sets up Stripe collection in a Collect payment workflow step. None of these are how you pay PandaDoc for your subscription.

Cancellation and renewal

To cancel, the account owner uses Settings → Billing → Cancel subscription and confirms the form; if the button is absent, PandaDoc directs you to your account manager. Under PandaDoc's Master Services Agreement, orders are generally non-cancelable and fees non-refundable unless otherwise agreed in writing, a canceled monthly plan stays accessible through the current month, and annual orders can auto-renew unless written non-renewal notice is given at least 30 days before the term ends. Check the order you agreed to before relying on an in-app cancellation alone.

Manage it all from Coinepay

You can create your virtual card, top up and watch each transaction from the 24/7 Coinepay dashboard or the mobile app on iOS and Google Play. For help with your card, reach the team via Coinepay support or Telegram.

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

FAQ

Which card networks does PandaDoc accept for subscriptions?

PandaDoc lists Visa, Mastercard and American Express credit cards for its own subscription, and its decline advice also suggests trying another credit or debit card. Acceptance of every debit-card network is not specified. Confirm your Coinepay card meets the requirement with Coinepay support before you buy.

Where do I enter my card details in PandaDoc?

As the account owner, go to Settings → Payment details. There you add your card number, expiry, CVV, billing address and any VAT information. Select your plan first under Settings → Billing → Manage plan → Select plan, then confirm the change.

Why was my Coinepay card declined at PandaDoc checkout?

PandaDoc names an incorrect card number, expiry or billing address, or a bank security block on an unfamiliar charge as possible causes. Check your details match your Coinepay account, make sure the card has enough balance for the full term plus tax, complete any authentication step, and contact Coinepay support if it keeps failing.

Will PandaDoc charge my card after the free trial?

The paid-plan trial lasts 14 days and new trial accounts default to Business Monthly. If you leave payment details on file, the account is automatically charged for its selected plan when the trial ends, so decide before adding your card.

Can I get a refund if I cancel PandaDoc?

Under PandaDoc's Master Services Agreement, orders are generally non-cancelable and fees non-refundable unless otherwise agreed in writing. A canceled monthly plan stays accessible through the current month, and annual orders may auto-renew unless you give written non-renewal notice at least 30 days before term-end.

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