Resolve a declined payment: Direct debit or bank

Keep in mind that your bank declines your payment, not Google.

To resolve a declined payment, you’ll need to contact your bank or credit card company to fix the issue. Once the issue with your payment method is resolved, you’ll have several options to pay off overdue balance and get your ads running again. Learn more about how to Resolve a declined payment in Google Ads.

On this page

• Figure out the reason for the decline
• Solutions for the most common declined payment reasons
• Contact your credit card company or bank
• Get your ads running again

Figure out the reason for the decline

You can find detailed information about declined payments in your Billing Summary in Google Ads. This information includes:

• Date of the declined payment
• Amount of the declined payment
• Reason for the decline (if available)

To review this information in your Billing Summary:

1. In your Google Ads account, click the Billing icon .
2. Click Summary.

If there’s no reason listed for the decline, you’ll need to contact your credit card company for more information.

Solutions for the most common declined payment reasons

Contact your credit card company or bank

If you couldn't figure out why your payment was declined or you can't solve the issue, contact your bank.

Get your ads running again

After finding the reason for the decline and contacting your bank to fix it, choose one of the options below to get your ads running again.

Make a payment by credit card or real-time bank transfer

The fastest way to get your ads running again is to make a payment by credit card. In some countries, like Austria, Denmark, Finland, Norway and Sweden, real-time bank transfer is also available. We don't recommend using normal bank transfers in this situation, since it takes much longer.

Payments by credit card or real-time bank transfer normally process within one working day and your ads will be able to run within 24 hours after processing. To pay off your outstanding balance, learn more about how to Make a payment.

When you’ve paid off your outstanding balance, you’ll need to re-enable direct debit in your account to continue using it as your primary payment method.

Re-enable your bank account

1. In your Google Ads account, click the Billing icon .
2. Click Settings.
3. Click Payment methods.
4. Find your bank account in your list of payment methods.
5. Check that all the bank account details are correct. Call your bank or credit institution to ensure that you can use it in your Google Ads account, if necessary.
6. After you've made sure that your bank account will work, click Fix it.

After you've re-enabled your bank account, your payment will normally process within 4 working days and your ads will be able to run within 24 hours after processing.

In some cases, an error message might appear when trying to re-enable your bank account, asking you to make a payment or set a different primary payment method instead. If this happens, you’ll need to make a payment by credit card or real-time bank transfer or add a new bank account.

Add a new bank account

If you'd like to use a different bank account for this payment and for your future direct debit payments, then you'll need to change your primary payment method. This will require that you complete one of the following tasks:

• Verify a test deposit in the new bank account
• Send us a new direct debit authorization

It typically takes about 5 working days after you complete the process for us to charge the outstanding balance to your new bank account.

To change your primary payment method to a new bank account:

1. In your Google Ads account, click the Billing icon .
2. Click Settings.
3. Click Payment methods.
4. Find the payment method you want to update and click Edit.
5. Enter your updated information. If you need to verify with a test deposit or send a new direct debit authorization, you’ll be given instructions in your account for your next steps.
6. When you’ve finished, click Save.

When we receive your bank account verification or authorization, we’ll charge the outstanding balance to your account.

Related links

• Pay with a bank account (direct debit)
• Complete a challenge deposit or debit authorization