If a monthly payment doesn't go through — due to an expired card, insufficient funds, a bank-side restriction, or an unsupported card type — act quickly. Here's exactly what happens and how to fix it.

1. You receive an email notification
As soon as a payment fails, APOLLO sends you an email with a direct link to your Customer Portal to update your payment details or settle the balance.

2. Automatic retries begin
Payments are retried automatically every three days. Your policy stays active during this window.

3. A $15 missed payment fee is applied
After the second failed attempt, a $15 missed payment fee is charged. This fee is applied once per invoice, not per retry.

4. A 15-day notice is issued
If all automatic retries fail, a formal notice is sent giving you 15 days to clear the outstanding balance before your policy is cancelled.

5. Policy cancelled for non-payment
If the balance isn't resolved within the 15-day window, your policy is cancelled. Once cancelled due to non-payment it cannot be reinstated — you would need to start a new application, and a lapse in coverage can affect your future premiums.

Option 1 — Update your card in the Customer Portal
Log in at policy-portal.apollocover.com, go to your payment details, update your card, and resubmit. This is the fastest way to restore coverage.

Option 2 — Pay via the invoice link
Click the link in your most recent failed-payment email and pay the outstanding balance directly. Use the most recent link — earlier links may no longer be active.

Option 3 — Contact your bank
If your card is being declined, call your bank to check for blocks or restrictions and ask them to approve the transaction.

Option 4 — Contact SinglePoint Collections
If your account has been passed to collections, contact SinglePoint directly:
Website: singlepointgi.com
Toll-free: 1-866-751-2167 (press 7 for automated payment, or hold to speak to an agent)

Option 5 — Contact APOLLO support
Reach us through the Contact Us page if you need help resolving the balance directly.