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Advertising · Google

Google Ads payment methods, country by country

Short answer

Google Ads takes credit and debit cards in 232 of 233 countries and territories, plus direct debit, PayPal or local methods such as UPI, Pix and GCash in some. Your payment setting matters too: Google doesn’t accept prepaid cards for postpay, and prepay is offered in only 70 countries, not including the US, the UK or most of Europe.

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  • 6 official sources
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Read this before you buy a card for Google Ads

Google’s help pages say: Google does not accept prepaid cards for postpay. Prepaid cards are refused on postpay, and prepay isn’t offered in the US, the UK or most of Europe. Check your country below before you buy any card for Google Ads.

Read the source ↗
At a glance

Google Ads payment rules

Summarised from Google’s own help pages on 28 Oct 2026. Rules change, so open the source before you rely on it.

Sources About payment methods Prepay payment setting About payment settings Charges for postpay Resolve a declined payment Billing and payment suspensions
Payment methods
Credit and debit cards almost everywhere, plus, depending on the country, direct debit (21 countries), PayPal (11), money transfer, and local methods such as UPI and NetBanking (India), Pix (Brazil), GCash (Philippines), GoPay (Indonesia), FPX (Malaysia), LGU+ (South Korea) and BPAY (Australia).
Prepaid cards
Google does not accept prepaid cards for postpay. Postpay charges your card after your ads run. Google’s pages don’t say whether prepaid cards work for prepay, which is offered in only some countries.
Billing currency
Some payment methods can’t be used with a currency other than your country’s official one. Payment thresholds vary by account, country and currency.
Card and country
Methods depend on your billing country, currency and payment setting. Google notes that some methods may be temporarily unavailable while it reviews an account’s eligibility.
Card checks
To confirm a payment method, Google may make a temporary charge of up to $1.95 USD; the last 6 digits of the charge are your code, and it’s refunded within 30 days. Card issuers in the EEA may also ask for a one-time code.
On your statement
In many cases your 10-digit Google Ads customer ID is shown on the bank statement.
Where to change the card
Billing → Settings → Add a payment method
Payment settings

Postpay, prepay or monthly invoicing

Your payment setting decides when Google charges you, and which methods you can use. Google offers each setting only in some countries.

Most accounts

Postpay

Formerly “automatic payments”. Ads run first, you pay after.

  • Charged when your costs reach your payment threshold, or on the first day of the month.
  • The threshold starts low and rises each time you reach it; Google’s example goes from $50 to $200.
  • Several charges in one month are normal for active accounts.
  • Google does not accept prepaid cards for postpay.
Google’s example Threshold $250, August spend $275: you pay $250 the day you cross it, then the remaining $25 on 1 September.
70 of 233 countries

Prepay

Formerly “manual payments”. You add funds, ads spend them.

  • Your ads run after the payment arrives; costs come out of that balance.
  • Google emails you when the balance is low, about a week of budget left.
  • A prepayment can take 24–48 hours, and bank transfers 2–5 business days, to show.
  • Not offered in the US, the UK, most of Europe, Australia, Japan, Pakistan or the UAE.
By application

Monthly invoicing

A line of credit from Google, paid against a monthly invoice.

  • Business registered for at least a year.
  • Google Ads account in good standing for at least 6 months.
  • At least $5,000 a month in any 3 of the last 12 months (varies by country).
  • Pay by cheque, bank transfer or another method, depending on location.
By country

Google Ads payment methods in your country

Pick your billing country to see what Google lists for it, whether prepay is offered, and what that means for a prepaid card. All 233 countries and territories, from Google’s own help page.

Choose a country to see its Google Ads payment methods.

See all 233 countries and territories
CountryPayment methodsPrepay
Afghanistan Credit and debit cards Yes
Albania Credit and debit cards No
Algeria Credit and debit cards Yes
American Samoa Credit and debit cards No
Andorra Credit and debit cards No
Angola Credit and debit cards No
Anguilla Credit cards No
Antarctica Credit and debit cards No
Antigua & Barbuda Credit cards No
Argentina Credit cards, Banelco and PagoMisCuentas.com Yes
Armenia Credit and debit cards No
Aruba Credit cards No
Australia Credit and debit cards, BPAY, PayPal No
Austria Credit and debit cards, Direct debit (bank account), PayPal No
Azerbaijan Credit and debit cards Yes
Bahamas Credit cards No
Bahrain Credit and debit cards No
Bangladesh Credit and debit cards Yes
Barbados Credit cards No
Belarus Credit and debit cards Yes
Belgium Credit and debit cards, PayPal No
Belize Credit cards No
Benin Credit and debit cards No
Bermuda Credit cards No
Bhutan Credit and debit cards No
Bolivia Credit cards Yes
Bosnia & Herzegovina Credit and debit cards No
Botswana Credit and debit cards Yes
Brazil Credit cards, Pix Yes
British Virgin Islands Credit cards No
Brunei Credit and debit cards No
Bulgaria Credit and debit cards Yes
Burkina Faso Credit and debit cards No
Burundi Credit and debit cards No
Cambodia Credit and debit cards No
Cameroon Credit and debit cards Yes
Canada Credit and debit cards No
Cape Verde Credit and debit cards No
Cayman Islands Credit cards No
Central African Republic Credit and debit cards No
Chad Credit and debit cards Yes
Chile Credit cards No
China Credit and debit cards, Money transfer, NetBanking, Alipay Yes
Christmas Island Credit and debit cards Yes
Cocos (Keeling) Islands Credit and debit cards Yes
Colombia Credit cards Yes
Comoros Credit and debit cards No
Congo - Brazzaville Credit and debit cards No
Congo - Kinshasa Credit and debit cards No
Cook Islands Credit and debit cards Yes
Costa Rica Credit cards No
Côte d’Ivoire Credit and debit cards No
Croatia Credit and debit cards Yes
Cuba Credit cards Yes
Curaçao Credit cards No
Cyprus Credit and debit cards, Direct debit (bank account) Yes
Czechia Credit and debit cards No
Denmark Credit and debit cards No
Djibouti Credit and debit cards Yes
Dominica Credit cards No
Dominican Republic Credit cards Yes
Ecuador Credit cards No
Egypt Credit and debit cards Yes
El Salvador Credit cards Yes
Equatorial Guinea Credit and debit cards No
Eritrea Credit and debit cards No
Estonia Credit and debit cards, Direct debit (bank account) No
Eswatini Credit and debit cards No
Ethiopia Credit and debit cards No
Falkland Islands (Islas Malvinas) Credit cards Yes
Faroe Islands Credit and debit cards No
Fiji Credit and debit cards No
Finland Credit and debit cards, Direct debit (bank account) No
France Credit and debit cards, Direct debit (bank account), Money transfer, PayPal No
French Guiana Credit cards No
French Polynesia Credit and debit cards No
French Southern Territories Credit and debit cards No
Gabon Credit and debit cards No
Gambia Credit and debit cards No
Georgia Credit and debit cards No
Germany Credit and debit cards, Direct debit (bank account), PayPal No
Ghana Credit and debit cards Yes
Gibraltar Credit and debit cards No
Greece Credit and debit cards No
Greenland Credit and debit cards No
Grenada Credit cards No
Guadeloupe Credit cards No
Guam Credit and debit cards No
Guatemala Credit cards No
Guinea Credit and debit cards Yes
Guinea-Bissau Credit and debit cards No
Guyana Credit cards No
Haiti Credit cards No
Honduras Credit cards Yes
Hong Kong Credit and debit cards No
Hungary Credit and debit cards, Money transfer No
Iceland Credit and debit cards No
India Credit and debit cards, Money transfer, NetBanking, UPI Yes
Indonesia Credit and debit cards, Money transfer, GoPay Yes
Iran Credit and debit cards Yes
Iraq Credit and debit cards No
Ireland Credit and debit cards, Direct debit (bank account) No
Isle of Man Credit and debit cards Yes
Israel Credit and debit cards, Direct debit (bank account) No
Italy Credit and debit cards, Direct debit (bank account), PayPal No
Jamaica Credit cards No
Japan Credit and debit cards No
Jersey Credit and debit cards Yes
Jordan Credit and debit cards No
Kazakhstan Credit and debit cards Yes
Kenya Credit and debit cards Yes
Kiribati Credit and debit cards Yes
Kuwait Credit and debit cards Yes
Kyrgyzstan Credit and debit cards Yes
Laos Credit and debit cards No
Latvia Credit and debit cards, Direct debit (bank account) Yes
Lebanon Credit and debit cards No
Lesotho Credit and debit cards No
Liberia Credit and debit cards No
Libya Credit and debit cards No
Liechtenstein Credit and debit cards No
Lithuania Credit and debit cards, Direct debit (bank account) No
Luxembourg Credit and debit cards, Direct debit (bank account) No
Macao Credit and debit cards No
Madagascar Credit and debit cards No
Malawi Credit and debit cards No
Malaysia Credit and debit cards, FPX No
Maldives Credit and debit cards No
Mali Credit and debit cards No
Malta Credit and debit cards, Direct debit (bank account) No
Marshall Islands Credit and debit cards Yes
Martinique Credit cards Yes
Mauritania Credit and debit cards No
Mauritius Credit and debit cards No
Mayotte Credit and debit cards No
Mexico Credit and debit cards, DineroMail Yes
Micronesia Credit and debit cards No
Moldova Credit and debit cards No
Monaco Credit and debit cards No
Mongolia Credit and debit cards No
Montserrat Credit cards No
Morocco Credit and debit cards Yes
Mozambique Credit and debit cards No
Myanmar (Burma) Credit and debit cards No
Namibia Credit and debit cards No
Nauru Credit and debit cards No
Nepal Credit and debit cards Yes
Netherlands Credit and debit cards, Direct debit (bank account), Money transfer, iDEAL, PayPal No
New Caledonia Credit and debit cards No
New Zealand Credit and debit cards No
Nicaragua Credit cards No
Niger Credit and debit cards No
Nigeria Credit and debit cards Yes
Niue Credit and debit cards No
North Macedonia Credit and debit cards No
Northern Mariana Islands Credit and debit cards No
Norway Credit and debit cards No
Oman Credit and debit cards Yes
Pakistan Credit and debit cards No
Palau Credit and debit cards No
Panama Credit cards No
Papua New Guinea Credit and debit cards No
Paraguay Credit cards No
Peru Credit cards Yes
Philippines Credit and debit cards, PayPal, GCash Yes
Pitcairn Islands Credit and debit cards Yes
Poland Credit and debit cards No
Portugal Credit and debit cards, Direct debit (bank account) No
Puerto Rico Credit cards No
Qatar Credit and debit cards No
Réunion Credit and debit cards No
Romania Credit and debit cards Yes
Russia ASSIST, Money transfer, YooMoney, Qiwi Yes
Rwanda Credit and debit cards No
Samoa Credit and debit cards No
San Marino Credit and debit cards No
São Tomé & Príncipe Credit and debit cards No
Saudi Arabia Credit and debit cards No
Senegal Credit and debit cards No
Serbia Credit and debit cards, Direct debit (bank account) No
Seychelles Credit and debit cards No
Sierra Leone Credit and debit cards No
Singapore Credit and debit cards No
Slovakia Credit and debit cards, Direct debit (bank account), Money transfer No
Slovenia Credit and debit cards, Direct debit (bank account) No
Solomon Islands Credit and debit cards No
Somalia Credit and debit cards No
South Africa Credit and debit cards No
South Korea Credit and debit cards, LGU+ Yes
Spain Credit and debit cards, Direct debit (bank account), PayPal No
Sri Lanka Credit and debit cards Yes
St. Helena Credit and debit cards Yes
St. Kitts & Nevis Credit cards Yes
St. Lucia Credit cards No
St. Pierre & Miquelon Credit cards No
St. Vincent & Grenadines Credit cards No
Sudan Credit and debit cards Yes
Suriname Credit cards No
Svalbard & Jan Mayen Credit and debit cards No
Sweden Credit and debit cards No
Switzerland Credit and debit cards No
Syria Credit and debit cards Yes
Taiwan Credit cards, Money transfer, Convenience store, Post office Yes
Tajikistan Credit and debit cards No
Tanzania Credit and debit cards Yes
Thailand Credit and debit cards, TrueMoney Yes
Timor-Leste Credit and debit cards No
Togo Credit and debit cards No
Tokelau Credit and debit cards No
Tonga Credit and debit cards No
Trinidad & Tobago Credit cards No
Tunisia Credit and debit cards No
Türkiye Credit and debit cards, Money transfer Yes
Turkmenistan Credit and debit cards No
Turks & Caicos Islands Credit cards Yes
Tuvalu Credit and debit cards Yes
U.S. Virgin Islands Credit cards No
Uganda Credit and debit cards Yes
Ukraine Credit and debit cards, Money transfer Yes
United Arab Emirates Credit and debit cards No
United Kingdom Credit and debit cards, Direct debit (bank account), PayPal No
United States Credit and debit cards, Direct debit (bank account), PayPal No
Uruguay Credit cards No
Uzbekistan Credit and debit cards Yes
Vanuatu Credit and debit cards No
Vatican City Credit and debit cards Yes
Venezuela Credit cards No
Vietnam Credit cards, MoMo Yes
Wallis & Futuna Credit and debit cards No
Western Sahara Credit and debit cards No
Yemen Credit and debit cards Yes
Zambia Credit and debit cards No
Zimbabwe Credit and debit cards Yes

Source: Google Ads Help, “About payment methods” (every country in its dropdown) and “Prepay payment setting”, checked 28 Oct 2026. Google notes some methods may be temporarily unavailable while it reviews an account.

Step by step

How to pay for Google Ads with a Cardn3 card

  1. 1

    Get your card

    Deposit crypto, buy a card, pay its activation deposit, and wait for the card details to appear in your Cardn3 dashboard.

    How buying works
  2. 2

    Open payment settings

    In Google Ads, go to

    BillingSettingsAdd a payment method
  3. 3

    Enter the card details

    Type the card number, expiry date and CVV, and the billing address shown with your card details, exactly as written.

  4. 4

    Cover every charge

    On postpay the card must cover every threshold charge, which can come several times a month. On prepay, add funds before your ads run out.

Only users with Admin or Edit Payments access can change payment settings. On postpay, a backup credit card keeps ads running if the primary method fails; only credit cards can be a backup.

Troubleshooting

Why Google Ads declines a card, and what to do

A declined payment doesn’t take money from a Cardn3 card. Work through these in order.

  1. 1

    A prepaid card on postpay

    Google doesn’t accept prepaid cards for postpay. Use a credit or debit card, or prepay if your country offers it.

  2. 2

    Not enough funds, or a card limit

    The card must cover the threshold charge in one go. Top it up or raise the limit, then retry the card in Google Ads. Billing › Summary shows the date, amount and, if available, the reason for a decline.

  3. 3

    Too many charges in a period

    Busy accounts can hit the threshold several times a month. A card that caps how many charges it accepts will be declined.

  4. 4

    Card not allowed online or abroad

    The issuing bank must allow internet and international payments. Ask the bank, or use a card that does.

  5. 5

    Wrong number, CVV or an expired card

    Re-enter the card details carefully, or add a new card.

  6. 6

    Your bank doesn’t support Strong Customer Authentication

    In the EEA, Google needs card issuers that support SCA. If yours doesn’t, use another payment method.

Cards

Cardn3 cards to look at for Google Ads

Only worth a look if your country offers prepay, such as Türkiye, India or Brazil, and Google doesn’t confirm prepaid cards on prepay. Ask Cardn3 support before you buy.

Pricing

What a Cardn3 card costs

  • Card price$100–$350
  • Issue fee (included in the price)$5
  • Activation deposit, after purchase$100–$200
  • Monthly feeNone
  • Pay with11 cryptocurrencies

The total is shown before you confirm. Full list on the pricing page.

Google Ads payment questions

What payment methods does Google Ads accept?

Credit and debit cards in 232 of 233 countries and territories, plus, depending on the country, direct debit, PayPal, money transfer and local methods such as UPI, Pix, GCash, GoPay, FPX, LGU+ and BPAY. The exact list depends on your billing country, currency and payment setting.

Can I pay for Google Ads with a prepaid card?

Not on postpay: Google says it does not accept prepaid cards for postpay. Google’s pages don’t say either way for prepay, which is offered in only 70 countries and not in the US, the UK or most of Europe.

Can I pay for Google Ads with PayPal?

Only in some countries, and Google says PayPal is temporarily unavailable for new postpay accounts and can’t be added to existing ones. You can still use it for prepayments where prepay is available.

Why does Google Ads charge me several times a month?

On postpay, Google charges you whenever your costs reach your payment threshold, and on the first day of the month. Each time you reach the threshold it can rise, so busy accounts see several charges.

What is the small Google charge with a code?

To verify a payment method, Google may make a temporary charge of up to $1.95 USD. The last 6 digits of that charge are the code you enter in Google Ads. It’s refunded within 30 days.

Can I switch from postpay to prepay?

Only in countries where prepay is offered, and only a limited number of times. You need Admin or Edit Payments access, then go to Billing › Settings › How you pay.

Who can get monthly invoicing?

Businesses registered for at least a year, with an account in good standing for 6 months and at least $5,000 a month in spend (varies by country) in any 3 of the last 12 months. You apply by contacting Google.

What does a Cardn3 card cost?

Card prices run from $100 to $350. A one-time $5 issue fee is included and the rest is loaded as card balance. There is no monthly fee. After purchase, each card type needs an activation deposit of $100–$200.

Card guideVirtual card for Google Ads, paid with crypto
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