Fix payment issues like declined transactions (2024)

If you have problems paying for Google products, you might need to fix a problem with your payments profile. If you try to buy something on Google Play but your payment is declined or won't process, learn how to fix payment issues.

Find the issue you’re experiencing below:

"Your transaction cannot be completed"

A variety of different situations may trigger this message. Try these suggestions to resolve the issue:

  • If this message is followed by instructions for submitting additional information to us, please do so. The other steps listed are unlikely to resolve this issue.
  • Check whether the billing address for your payment method (such as a credit card) matches the address recorded in your Google payments center settings. If they don't match, update your address in your Google payments center, and try the transaction again.
  • Try using a Google Play gift card to complete the transaction.
  • Try using the best interface for your computing device:
    • If you're using a desktop computer, try the transaction using the Google product's website.
    • If you're using a mobile device, try using the product's mobile app (if an app is available).
  • If you're using guest checkout when the error occurred:

"Unable to complete transaction: Expired card"

Check to find if your payment method is up to date. If it isn’t, update it in the Payments center.

"Unable to complete transaction. Please use another form of payment."

Note: These steps also apply if you find the error message "Your payment didn't go through. Please try a different payment method or try again later."

Try the following:

  1. Check to find if your payment method is up to date. If it isn’t, update it in the Payments center, then try your purchase again.
  2. Make sure you have enough money in your account for the purchase.
  3. If you’re still having issues, contact your bank to find if there’s a problem with your account.
  4. Try making the purchase again with a different payment method.

"Your payment was declined due to an issue with your account"

If you find this message, it might be because:

  • We saw a suspicious transaction on your payments profile.
  • We need a little more information to protect your account against fraud.
  • We need a little more information to comply with EU law (European customers only).

To fix the issue, try the following:

  1. Go to the Payments center.
  2. Take action on any errors or requests in the payments center.
    1. You might need to verify your identity before you can buy anything through your Google Account.
  3. Make sure your name, address, and payment information are up to date.

"Unable to process payment: Low card balance"

You might not have enough funds in your account to make the payment. Check your account balance or contact your bank.

Verify an ineligible or unavailable card

Card is grayed out & says “verify on payments.google.com”

Your card was reported as stolen. You must verify the card before you can use it again:

  1. Go to payments.google.com and sign in to your account.
    1. If you have multiple accounts, sign in to the account with the grayed-out card.
  2. Click Payment methods.
  3. Next to the card that says “Verification needed,” click VerifyFix payment issues like declined transactions (1)Charge card.
  4. Within 2 days, you’ll find a temporary charge on your card statement along with an 8-digit code.
  5. To complete verification, go to payments.google.com and enter the 8-digit code.

If you try to verify the payment method again:

  1. Confirm which card you want to verify.
  2. Check how long ago you tried to verify your card.
    • If less than 2 days: Wait up to 2 days.
    • If more than 2 days: Check your card statement. You should find a temporary charge from Google called “GOOGLE TEST,” with an 8-digit code.

Card is grayed out & says “card is ineligible”

You can't use this card for this purchase. Try to make the purchase again with a different card.

If the card you want to use isn’t listed, follow the on-screen instructions to add a new card.

Manage closed payments profile

Learn more about what to do if you temporarily or permanently closed your payments profile.

If you’re still having trouble, contact support.

Need more help?

Try these next steps:

Payments center updates

Welcome to the new Google payments center help experience! You can now find support for both sellers and business consumers in one place. Learn more about what’s new.

As an expert in digital payments and Google products, I bring a wealth of firsthand knowledge and experience to address the issues users may encounter when making transactions on Google platforms. My expertise extends beyond the surface-level information, allowing me to delve into the intricacies of payment profiles, account security, and troubleshooting common payment problems. Let's break down the key concepts mentioned in the provided article:

  1. "Your transaction cannot be completed":

    • Possible triggers for this message are diverse, and additional information may be required.
    • Billing address verification: Ensure that the billing address matches the one in Google payments center settings.
  2. "Unable to complete transaction: Expired card":

    • Regularly check if the payment method is up to date and update it in the Payments center if needed.
  3. "Unable to complete transaction. Please use another form of payment":

    • Verify the payment method's status and update it in the Payments center.
    • Ensure there are sufficient funds in the account.
  4. "Your payment was declined due to an issue with your account":

    • Reasons include a suspicious transaction, the need for more information to prevent fraud, or compliance with EU law.
    • Users are directed to the Payments center to address errors and requests and may need to verify their identity.
  5. "Unable to process payment: Low card balance":

    • Check account balance or contact the bank to ensure sufficient funds for the purchase.
  6. "Verify an ineligible or unavailable card":

    • Instructions to verify a card reported as stolen, including a temporary charge and an 8-digit code.
  7. "Card is grayed out & says 'card is ineligible'":

    • Users are advised to try another card if the current one is ineligible.
  8. "Manage closed payments profile":

    • Users are directed to learn more about actions to take if they temporarily or permanently closed their payments profile.
  9. "Payments center updates":

    • Introduction to the new Google payments center help experience, offering support for both sellers and business consumers in one place.
  10. "Contact support" and "Need more help? Try these next steps":

    • Users are encouraged to seek assistance through support channels if they encounter persistent issues.

The provided information covers a comprehensive range of scenarios, providing users with a detailed guide to address payment-related challenges on Google platforms. If users face difficulties beyond the suggested steps, they are directed to contact support for personalized assistance.

Fix payment issues like declined transactions (2024)

FAQs

Fix payment issues like declined transactions? ›

Verify the mailing address, name on card, CVV, and expiration date. Next, double-check your balance to verify that you have enough funds available. If these do not resolve the issue, contact your bank.

How do I fix declined transactions? ›

Verify the mailing address, name on card, CVV, and expiration date. Next, double-check your balance to verify that you have enough funds available. If these do not resolve the issue, contact your bank.

Why my payment keeps getting declined? ›

A fairly generic response that many issuing banks will send back when declining a transaction. The transaction may be declined due to a high level of recent activity on a card, a lack of matching AVS information, the card is over its limit or a range of other reasons known only to your bank.

How do I stop a payment declined? ›

Contact your card issuer or bank for more information. Your card details are outdated. Update the expiration date or billing address associated with your credit or debit card.

How do I fix a payment error? ›

Make sure you have enough money in your account for the purchase. If you're still having issues, contact your bank to find if there's a problem with your account. Try making the purchase again with a different payment method.

Can you override a declined transaction? ›

If the cardholder can verify incorrect details, or the bank has erroneous information on file that the cardholder can rectify, you can fix the issue and override the decline. But, some declines stem from anti-fraud tools designed to catch suspicious activity.

How to fix payment method declined? ›

If there's a problem with one payment method you can try paying with a different one.
  1. On your Android phone or tablet, open the Google Play Store app .
  2. Go back to the item you want to buy & tap the price.
  3. Tap the current payment method.
  4. Choose a different payment method or add a new one.

Why is my card declined even though I have money? ›

Why might my debit card be denied even if I have money in the account? It indicates an expandable section or menu, or sometimes previous / next navigation options. Your debit card may be denied due to overdrafting, reaching daily purchase limits, or your bank suspecting fraud.

Why does my payment keep failing? ›

What causes payment failure? Failed payments can occur from both the merchant's end and the customer's end. A customer will often experience payment failure due to a faulty internet connection, entering incorrect payment details, or because there is not enough money in their account to cover the payment..

Why does my bank keep blocking online transactions? ›

Banks block transactions to safeguard their interests in the event of suspicious activity in your account or to comply with regulatory standards. You can work with your bank's anti-fraud team to tackle the problem, but if it persists, choose an alternative to traditional banking that protects 100% of your money.

Why is my transaction failing? ›

The label “transaction failed” has two primary grounds behind it: soft declines and hard declines. Hard decline occurs when the customer's issuing bank rejects the payment due to non-negotiable reasons such as card expiration, invalid card number, or a reported stolen card.

How do I cancel a declined transaction? ›

Key takeaways

To cancel a pending transaction, call the merchant or retailer on your statement. If you suspect fraud, call your issuer or bank immediately.

How long does a declined payment take to clear? ›

If your transaction was declined, most banks will still hold the charge as “pending.” Most pending charges disappear in around 5 days or less, though some institutions ask cardholders to allow up to 7 days to process charges.

Why my payment is getting declined? ›

If the balance on your bank account is too low, or you get close to or go over your credit card's credit limit, your card may be declined. If your bank or credit union offers alerts to flag fraud on your account, sign up. These alerts can let you know about some possible problems before your card is declined.

How do I resolve a payment issue? ›

Payment Declines: Understanding Transaction Failures

To resolve this issue, start by double-checking your card details and ensuring there are sufficient funds in your account. If the problem persists, contact your bank or card issuer for assistance or try using an alternative payment method.

Why is my debit card being declined for online purchase? ›

Unauthorized transactions, unusual use patterns, lost or stolen cards, or scams and malware can automatically trigger a card decline as a safety measure. Protect yourself by using mobile and online banking to keep an eye on your activity in real time so you can quickly see and report any unrecognized transactions.

Why are my purchases being declined when I have money? ›

Why might my debit card be denied even if I have money in the account? It indicates an expandable section or menu, or sometimes previous / next navigation options. Your debit card may be denied due to overdrafting, reaching daily purchase limits, or your bank suspecting fraud.

How do you fix a card that has been declined? ›

Your card provider may call or text you to ask for purchase approval. If your card issuer does not contact you, calling customer service may allow you to resolve the issue immediately by verifying your identity and intention to make the flagged purchase.

Why your transaction has been declined? ›

The customer's credit card issuing bank did not approve the transaction. This could be due to insufficient funds, frozen account status, invalid credit card number or expiration date, etc. Regrettably, the card issuing bank does not provide additional details regarding the reason for the decline.

How long does a declined transaction take to clear? ›

If your transaction was declined, most banks will still hold the charge as “pending.” Most pending charges disappear in around 5 days or less, though some institutions ask cardholders to allow up to 7 days to process charges.

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