Payments are debited in AUD from your Bitaroo account annually for your selected plan. The Premium plan's one-off setup fee is charged when you subscribe.
If a payment fails, for example because your AUD balance is too low on the billing date, your plan goes into arrears. While in arrears the Guardian dashboard is paused: Bitaroo's public key and any stored co-signing details are hidden, and co-signing requests cannot be submitted. To restore your Guardian features, deposit enough AUD into your account to cover the amount owing.