Replenishing your Google Ads account: payment methods in Ukraine, restrictions, security, and control
Running ads on Google Ads is an effective way to attract clients and scale your business. However, when funding a Google Ads account independently, many advertisers encounter problems: payments may get stuck, cards may be declined, and the account may be temporarily blocked. Add to this the automatic VAT charges, system checks, and technical malfunctions – and your advertising campaign risks being interrupted.
Proper organization of payments allows you to minimize these risks, ensure uninterrupted ad operation, and use your budget as efficiently as possible.
Available payment methods for Google Ads in Ukraine
Available payment methods for Google Ads in Ukraine Replenishing a Google Ads account in Ukraine is possible through several methods. The choice of method depends on convenience, the need to control expenses, and the specifics of tax accounting.
It is important to clarify immediately: when topping up a Google Ads account, the client first chooses which account will be serviced – Google Ukraine or Google Ireland – as well as the currency, either hryvnia or US dollars.
- If Google Ukraine is selected, payments can be made using either a primary or backup card, and a 20% VAT is automatically included in the service cost in accordance with Ukrainian legislation.
- For Google Ireland accounts, when paying with a credit or debit card and a tax status of “Individual” or “Sole Proprietor” without VAT registration, Google also charges a 20% VAT.
Using a backup card helps avoid interruptions in ad delivery if the primary card fails to process a payment.
Automatic payments
Funds are deducted after ads are displayed: either when a threshold amount is reached or at the beginning of the month. You can top up your account at any time to control expenses. Prepayment by cards for automatic deductions is no longer supported.
Manual payments
You pay in advance for future ad impressions. The balance is gradually spent on ad displays, and once it is depleted, the ads stop running until the next top-up.
Credit and debit cards
You can pay for advertising using Visa or Mastercard cards issued by Ukrainian banks. Credit and debit cards are suitable for both automatic and manual payments.
To set up a card for automatic deductions, add it to your Google Ads account and designate it as the primary payment method.
How to do this:
- Go to the Payments tab in your Google Ads account.
- Select Payment Methods and click Add a new payment method.
- Choose Credit Card and enter your card details.
- Set it as the primary payment method using the dropdown menu in the lower-left corner.
- Save the changes.
Properly setting up your card ensures uninterrupted operation of advertising campaigns and stable promotion of your business.
Backup card
For reliability, it is recommended to add a backup card. If the primary payment method fails due to bank restrictions or blocking, Google will automatically deduct funds from the backup card. This helps avoid interruptions in your advertising campaign and ensures uninterrupted operation of the account.
In some cases, Google Ads may temporarily deduct a small amount to verify the card. In reality, these funds are not retained but are only used to confirm the payment information.
Bank transfer
For businesses, payment via bank transfer is available – a convenient way to top up Google Ads on behalf of a legal entity. When registering with Google Ads, you must select your tax status once: “Individual,” “Sole Proprietor,” or “Legal Entity.” After selection, the status cannot be changed.
If you need to switch to “Legal Entity” to pay for advertising on behalf of a company, you should use the “Change Payer” procedure through Google support or create a new payment profile, specifying the legal entity status immediately. This allows you to set up prepaid payments through the company’s bank account.
This payment method is considered the most reliable: you are protected from accidental deductions that sometimes occur with automatic card payments and receive clear bank confirmation for each transaction.
Working with an agency
When paying for advertising independently using the company’s card, a number of issues often arise: part of the budget goes to a 20% VAT, additional fees may apply for currency conversion, and expense control requires constant attention.
Working through an agency solves these problems: all transactions are conducted in hryvnia, eliminating extra fees, and the standard tax is replaced with a fixed agency fee, allowing you to save a significant portion of your budget. The client gains transparency of financial operations, full control over expenses, and the ability to plan campaigns accurately, minimizing unexpected costs while maintaining maximum advertising reach.
Why replenishing Google Ads can be challenging when managing independently
The main challenges of independently topping up a Google Ads account are:
- Payment restrictions: some Ukrainian banks do not support Google Ads payment methods, especially when using a corporate card. There are also cases of payment blocks from the bank or Google.
- System errors and transaction failures: even if the card is accepted, payment errors may occur due to limits, suspected fraud, or additional Google verifications. This can lead to ad stoppages and the loss of potential clients.
- High fees: Google charges funds in foreign currency, which can result in high banking fees and increased advertising costs.
- 20% tax (VAT): since 2022, Google automatically adds 20% VAT for Ukrainian advertisers. If this factor is not taken into account, the advertising budget may end up significantly higher than expected.
- Account blocking: if Google suspects a rules violation or considers a payment suspicious, the advertising account may be temporarily or even permanently blocked.
Billing Media Service ensures safe and efficient Google Ads top-ups, guaranteeing fast fund allocation, convenient payment methods, and reduced risk of account blocks. Below, we explain why it is worth relying on the expertise of specialists when replenishing your advertising profile.
Advantages of using Billing Media for Google Ads payments
The platform is designed to ensure safe, fast, and reliable transactions, making it ideal for the Ukrainian market as well as other countries. Here are several key advantages that make billing.media the best choice for topping up Google Ads:
- Guaranteed payments using reliable payment methods: collaboration with international payment systems ensures stability and speed of fund allocation for clients both in Ukraine and abroad.
- Instant fund allocation: payments are credited without delays or additional verifications, allowing ads to launch immediately.
- Professional 24/7 support: the team of specialists promptly resolves any issues, preventing errors and payment failures.
Billing Media provides faster and more secure payments compared to bank cards and other services. Your advertising budget will be used efficiently, and Google Ads top-ups will be completed without delays or unnecessary complications.
The process of replenishing Google Ads via Billing Media
Topping up Google Ads through Billing Media is a fast and convenient way to manage your advertising budget. The client provides access to their profile for changing the payer, specifying our company. We can work with an existing profile or create a new one if necessary, with all operations conducted in hryvnia.
Payments are made exclusively through our company’s bank account; funds sent through other systems are not accounted for and are subject to return. After the funds are credited to the profile, usually after 10:00 PM, we notify the client, and the money appears in the Payments section of the personal account.
To prevent ad stoppages and maintain budget control, we can request view-only access to track the remaining funds and notify the client in advance when a top-up is required.
1. Granting Access to the Account
The client provides access to their Google Ads profile. This is necessary to change the payer, where the agency’s legal entity will be listed. The agency can work with an existing profile or create a new one if needed. All operations are conducted exclusively in hryvnia.
2. Choosing a Payment Method
Top-ups are made exclusively through the company’s bank account. This ensures transparency of operations and correct fund allocation to the advertising account. Payments made through electronic systems not linked to a bank account are not counted and are subject to return. In turn, agency services can be paid using any available method (all available payment methods are listed on our website).
3. Processing the Payment and Crediting Funds
After payment, funds are credited to the Google account, usually after 10:00 PM. Delays on Google’s side are possible. The client receives a notification of the completed payment, and the funds are displayed in the Payments section of the personal account. Typically, payment processing takes two to five business days (depending on your location), but usually, if the payment is made before the end of the banking day, the funds are credited on the same day.
4. Balance Control and Expense Monitoring
To ensure uninterrupted advertising campaigns, the agency regularly monitors the remaining funds on the profiles and informs the client in advance when a top-up is needed to avoid ad stoppages due to insufficient funds. For this purpose, the client provides the agency with view-only access to the profile, which saves time and eliminates the need for routine balance checks in Google accounts.
Checks and payment security in Google Ads
Working with professionals allows the client to reduce involvement in the routine account verification processes. Our agency helps prepare all the necessary documents and correctly pass the payer and business activity verification. This is important, as delays in verification can lead to ad display being paused.
Payer verification
After changing the payer, Google verifies the organization’s or entrepreneur’s data to ensure their authenticity and compliance with platform requirements. Billing Media helps prepare and submit all necessary documents, monitors the verification process and account balances, so the client only needs to focus on advertising.
More detailed information on how advertiser verification works can be found in the official Google Ads help documentation.
Advertiser verification
Google analyzes the account and campaigns for compliance with advertising rules and policies. This procedure prevents the placement of prohibited ads and reduces the risk of profile blocking.
You can check and complete the advertiser verification procedure using this link.
Business activity verification
If necessary, Google verifies the legality of the business, including company registration and the accuracy of the provided data. The agency monitors the process and ensures that the information is submitted correctly.
More details about this procedure can be found here.
Control, optimization, results: the secret to stable campaigns
Replenishing a Google Ads account in Ukraine can be challenging due to restrictions and taxes, but the right approach turns this process into a simple growth tool.
With reliable support, every hryvnia is used efficiently, ads run without interruptions, and the budget remains under control. Keep track of rule changes, choose convenient payment methods, and always have backup options—this ensures stable growth for your business.
Entrust your advertising to professionals so that every campaign delivers results!
