Having worked with Google for many years we noticed that there are a lot of confusion about billing on Google Ads and there are a lot of people complaining that their account was suspended for suspicious activity.
At its core it is fairly simple – if you use a card that has previous been suspended or is linked to another account with outstanding charges; it will be denied. If you use a pre-paid, one-time, or card generated from a website; it will be denied. If you use a card that Google suspects might be stolen, or it cannot be related to your account; it will be denied.
If you avoid above you should never have any issues and the card will be automatically approved.
The one thing that can be a bit confusing is if you are not the billing admin of the account and you upload a card in your name, it might also be denied. This especially if you already use the card on another account.
If you end up in such a situation there is no reason to file a complaint with Google or try to create another account, instead you simply need to follow the guidelines and upload another card which Google will accept.
For us working with marketing on a more regular basis, for example through an agency, this is both a blessing and a curse. As long as everything runs smoothly or you have monthly invoicing you should be fine, but if you are a new agency, have blocked accounts since before or forget about the guidelines it can create a lot of hassle and even mean you get several accounts blocked in one go. If this happens; take a deep breath, find a non-blocked payment card and read through the guidelines step-by-step and try to get it approved. The process should not take long, but several days is not completely out of the norm. In the meantime you need to figure out what to tell the client(s) and/or your manager, which is probably the worst part since you were the one that messed up.
For us at AdHuc Marketing Services billing is not something we lose sleep over since we know how it works. However we also understand that for some out there, especially those of you thinking it is very easy and thinking you only need to upload a card and go; you can end up in a less than desirable situation – so make sure you read through above again or check out Google guidelines properly before you and your clients lose traction and money.