Resolve a declined payment: Credit cards

Keep in mind that your credit card company or 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.

Figure out the reason for the decline

You can find detailed information about declined payments on the Billing Summary page in your Google Ads account. 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:

In your Google Ads account, click the Billing icon .

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

Decline reason	Solution
The account doesn't have sufficient funds.	Make sure there are enough funds in your account, then retry your credit card.
You've exceeded the card's credit limit or single transaction limit.	Talk to your bank to increase the limit, then retry your credit card.
The card expired.	Enter a new credit card.
You entered an incorrect card number or CVV/CVN number.	Re-enter your credit card information carefully.
The issuing bank doesn't allow the use of the card for internet or international transactions.	Talk to your bank to authorize these types of transactions, then retry your credit card. Enter a new card that allows internet or international transactions.
You exceeded the maximum number of charges the card can receive in a period.	Talk to your bank to find a solution, then retry your credit card. Enter a new card
Your bank may not support Strong Customer Authorization.	Strong Customer Authorization is required to authenticate your card or payment in the European Union. Talk to your bank to find out if your bank supports Strong Customer Authentication. If not, you’ll need to use another payment method.

Note: If your card issuer or bank is in the European Economic Area, they may require you to go through an additional authentication process, such as a one-time code sent to your phone, to verify the ownership of your card. Your card issuer or bank may require this extra verification when you make a payment, add a new credit or debit card, or at the card issuer or bank’s discretion.

Google complies with the new security requirements imposed on banks and payment processors by the Payment Services Directive 2 (PSD2) in the European Economic Area. If you have any questions, please contact your card issuer or bank directly.

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 the bank that issued your credit card. Google Ads support can't help you with any declines because your credit card company or bank makes those decisions.

Get your ads running again

To get your ads running again, review your options below.

Retry your existing credit card

In your Google Ads account, click the Billing icon .
Click Settings.
Click Payment methods.
Find the credit card you'd like to retry and click Fix.
Check that all the card details are correct. If necessary, call your bank or credit card company to make sure that you can use the card in your Google Ads account.
After you've made sure that the payment method will work, click Retry.
Review the payment of your outstanding balance and click Pay Now.

If you used a new payment method to pay off your balance, you'll still need to retry your primary payment method. Otherwise, your ads could stop running again without any valid payment method.

If retrying your existing card is successful, you’ll receive a confirmation message. If payment is not successful, you'll receive an error message informing you that the payment failed and instructing you to either contact your financial institution or select a different payment method to continue.

Enter different billing information and save it as new Primary payment method

Note: For Google Ads accounts with the Organization account type, you’ll need Admin or Billing access to add or edit a payment method. Learn more about access levels in your Google Ads account.

In your Google Ads account, click the Billing icon .
Click Settings.
Click Payment methods.
Find the declined credit card and click Fix.
Click Use a different payment method then click Continue.
Choose a new payment method from the available options or enter the new card information and click Save card.
Review your outstanding balance payment and click Pay Now.

You’ll receive a confirmation message if your attempt to pay using different billing information is successful. If the information submitted is incorrect or the added card can’t be charged, you’ll receive an error message instructing you to correct the information or select another payment method.

If the payment is not successful, you'll receive an error message informing you that the payment failed and instructing you to either contact your financial institution or select a different payment method to continue.

Update your card information

In your Google Ads account, click the Billing icon .
Click Settings.
Click Payment methods.
Find the credit card you’d like to update and click Fix.
Click Update then click Continue.
Correct the card information and click Save updates.

You’ll receive a confirmation message if the update to your card information is successful.

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Resolve a declined payment: Credit cards

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