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. After 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, go to Summary within the Billing menu .
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. | Check your bank account to make sure that it has enough funds. You can then make a manual payment or update your primary payment method to start running your ads again. Consider adding a backup payment method to prevent future disruptions. |
| The name of the account owner doesn't match the information that you provided. | Update your billing information with the correct details. Ensure you have the necessary Admin or Edit Payments profile access to the Payments profile if you encounter permission errors. |
| The issuing bank doesn't allow using the bank account for online or international transactions. | Contact your bank to allow these types of transactions. You may also need to ask if 3D Secure is required or if there are other card validation issues. Then choose one of the solutions in the following section to start serving your ads again. |
| The bank account doesn't exist anymore. | Update your billing information with a different bank account or a credit card. If a card was declined multiple times, contact your bank first, then try re-adding it or adding a new one. |
| Payment verification required. | Google may sometimes require payment verification, especially after a declined payment. Follow any instructions provided in your Google Ads account to complete the verification process. This may involve submitting documents. |
| Browser or system issues. | If you're having trouble adding or updating a payment method, try clearing your browser's cache and cookies, using an incognito window, or a different browser. |
Contact your credit card company or bank
If you couldn't figure out why your payment was declined after checking your Google Ads Billing Summary, or you can't solve the issue using the solution provided above, contact your bank or credit card company.
If the bank confirms there are no issues from their end, try removing and re-adding the payment method in Google Ads, or add a new payment method.
Get your ads running again
After finding the reason for the decline and contacting your bank to fix it (or adding a new, valid payment method), choose one of the options below to pay any outstanding balance and get your ads running again. If your account was paused due to the payment issue, resolving the payment problem and clearing any overdue balance should typically reactivate your ads.
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. Allow 3-5 business days for bank payments to process and reflect in your account. 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
- Go to Settings within the Billing menu
.
- Select Payment methods.
- Find your bank account in your list of payment methods.
- 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.
- After you've made sure that your bank account will work, select 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.
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.
To change your primary payment method to a new bank account:
- Go to Settings within the Billing menu
- Select Payment methods.
- Select the corresponding Actions dropdown menu next to the payment method you want to update, then choose Edit details.
- 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.
- When you’ve finished, select Update.
When we receive your bank account verification or authorization, we’ll charge the outstanding balance to your account.
Re-enable your bank account
- Select Settings within the Billing menu
- Under the “Payment methods” section, find your bank account in your list of payment methods.
- 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.
- After you've made sure that your bank account will work, select 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.
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.
To change your primary payment method to a new bank account:
- Select Settings within the Billing menu
- Under the “Payment methods” section, select the corresponding Actions dropdown menu of your primary payment method.
- Select Edit details.
- 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.
- Select Update.
When we receive your bank account verification or authorization, we’ll charge the outstanding balance to your account.
