How do I fix a declined payment?

How do I fix a declined payment?

We realize that having a payment declined can be stressful and result in lost opportunities for advertising, so here is some information to help you quickly resolve this issue.

Payments can fail for a number of reasons but typically the credit card company declines the payment.

Common reasons credit card companies decline a paymentexpando image

Card has expired. If your card has expired, your credit card company might block payments until you update the expiration date with Bing Ads. See Update your credit card expiration date.

Billing address has changed. If your billing address has changed, your credit card company might block payments until you update your billing address with Bing Ads.

Card has reached the transaction limit. We might have tried to process a transaction after your card had reached its credit limit, or we might have charged your card more than your credit card company allows for a single transaction.

Card is blocked. If your card was reported as stolen or lost, or your credit card company suspects fraudulent activity, your card might be temporarily blocked.

Card requires that Bing Ads be an approved merchant. If you have purchased additional theft protection services through your credit card company, those services might require you to confirm that Bing Ads is an approved merchant.

If your payment has been declined, you will receive an email from Bing Ads and a notification will be posted on the Billing tab showing “Payment declined” and the amount we tried to charge.

Payment declined on billing tab.

Fixing a declined payment

If a payment has been declined, here's what you should do:
  1. Contact your credit card company to fix any issues with your card, or add another payment method and use that to pay your account charges.
  2. After the issue has been fixed or you've added a new payment method, make a manual payment to ensure that the problem is solved and to get your ads running again. Here's how you do that:
    Whether you fix the issue with your card or you add a new card, you need to make a manual payment to get your ads running again.

Still having problems?

If you have contacted your bank and you're still having problems, please contact support.

Declined payments can lead to account hold

After a payment is declined, we will continue to try to process the payment in case the issue was a temporary system issue or the problem with your card has been resolved. Here's how that works:

  • If we process your card two times and payment fails, we will put the account that has the declined payments on hold. Ads that are in that account will no longer be eligible to run.
  • We will try to process the payment three more times (for a total of five attempts) and if the payment fails, all of your accounts will go on hold. None of your ads will be eligible to run.

If your account is put on hold, you’ll see a banner notification at the top of Bing Ads with a link to help you resolve the issue:

Hold banner notification.

For more information, see Why is my account on hold?

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