This article explains the most common reasons for payment failures, refused transactions, missing or delayed call credits, and currency conversion differences, and what you can do to resolve them quickly.
Possible Reasons Your Payment Didn’t Go Through
A payment can fail for reasons related to your bank or payment provider, such as: Talk360 may also enforce its own daily and monthly recharge limits, which help prevent excessive top-ups but can cause failures once these limits are reached.
Temporary issues with your bank or payment service
Short outages or technical problems can prevent a payment from completing.Insufficient balance or spending limits
Your card or wallet may not have enough funds, or a daily spending limit may have been reached.Extra security verification is required by your bank
Some banks require an additional confirmation step that must be completed before the payment is approved.A short interruption during checkout
Closing the app, switching networks, or losing connectivity during payment can cause the transaction to fail.Transaction limits set by your bank or card issuer
Errors such as “amount exceeded” or “transaction count exceeded” mean your bank has blocked further transactions for that period.Daily or monthly recharge limits on Talk360
To help prevent excessive or unusual top-ups, Talk360 applies daily and monthly recharge limits.
If these limits are reached, additional top-ups may temporarily fail until the limit resets.
If a payment fails:
No credits are added
No money should be deducted
You can safely try again once the issue is resolved.
I Paid Successfully, but My Call Credits Are Missing
If your payment went through but you don’t see your credits yet, this is usually temporary.
Processing Time
Some payments take longer to be confirmed:
UPI, India e-Wallets, BillDesk and banktransfer: up to 72 hours
Other payments: usually within 1–2 hours
Credits are added automatically once processing is complete.
Incorrect Phone Number
When buying credits on the website, the credits are linked to the phone number you enter.
If a digit was missing or incorrect, the credits may have been added to a different number.
Temporary Sync Delay
In rare cases, there may be a short delay between payment confirmation and credits appearing in the app.
Common Payment Messages Explained
During checkout, you may see one of the messages below. These messages usually come from your bank or card provider and explain why a payment couldn’t be completed.
Payment declined or refused
Your card didn’t have enough balance, reached a spending limit, or wasn’t approved by your bank.Authorization reversed
The payment was canceled by your bank or card provider before it was fully completed.Verification not completed
An extra security step (such as bank confirmation or authentication) was required but not completed in time.Payment not allowed / card restricted
Your card has restrictions for online or international payments that need to be enabled by your bank.Payment is processing
The payment is still being checked and may take a little time to confirm.Withdrawal amount exceeded
You’ve reached the maximum amount your bank allows for a single transaction.Withdrawal count exceeded
You’ve reached the maximum number of transactions allowed by your bank for that period (daily or monthly).
These checks are part of your bank’s security and transaction-limit rules. Unfortunately, Talk360 cannot override these decisions, so contacting your bank or card provider is often the fastest way to resolve the issue.
Why Does the Charged Amount Look Different? (Currency Conversion)
If you use Google Pay or Apple Pay, the final amount charged may look different from what you expected. This is usually due to currency conversion, fees, or taxes applied by your bank or payment provider.
How Currency Conversion Works
Talk360 does not control exchange rates
Google Pay and Apple Pay do not set exchange rates themselves
Your bank or card issuer converts the payment amount into your local currency
Additional Fees and Taxes
When paying via Google Pay or Apple Pay, the following may apply:
Currency conversion fees set by your bank or card issuer
Administration or service fees applied by the payment provider
Local taxes, depending on your country and regulations
These fees are added automatically by your bank or payment provider and are not set or collected by Talk360.
Final Charged Amount
After conversion, fees, and any applicable taxes:
The final amount is shown in your local currency
This amount may be slightly higher than the original price shown in the app
Tips to Avoid Confusion
Try to keep the currency of your bank account, payment profile, and Talk360 account the same (for example, all in USD)
Check with your bank or card issuer about:
Exchange rates
Foreign transaction fees
Local taxes applied to digital payments
If you notice a large difference and are unsure why, our support team can help review the payment with you.
Which Payment Methods Can I Use?
Talk360 offers different payment options depending on your country. The available methods are shown directly in the app during checkout.
If a payment method is temporarily unavailable or doesn’t work for you in the app, you can still buy call credits securely via the Talk360 website, where alternative payment options are available. This helps ensure you always have a way to top up and keep calling without interruption.
How to Fix Payment Issues Quickly
If your payment fails or keeps getting refused, try the steps below in order:
Restart Your Device: Restarting your mobile device often resolves temporary payment gateway or app-related issues. After the restart, retry the payment through the Buy Credits tab.1. Check your card details and available balance Make sure your card information is correct, and you have enough balance to complete the payment.
Complete any required bank security confirmation Some banks require an extra verification step. If this isn’t completed, the payment will fail.
Check transaction limits with your bank Your bank may have limits on:
The maximum amount per transaction
The number of transactions allowed per day or month Contact your bank to confirm these limits and request adjustments if needed.
Wait and try again later If you’ve reached a daily or monthly transaction limit (set by your bank or by Talk360), the payment may work again once the limit resets.
Avoid retrying many times in a short period Multiple failed attempts can trigger a temporary block for security reasons.
Use an alternative payment option if available If the issue continues, trying a different available payment option can help complete your top-up without delay.
Contact your bank or card provider If none of the above steps resolve the issue, your bank can explain exactly why the payment was blocked and how to allow future payments.
What to Do If Credits Are Still Missing
If your credits haven’t appeared after the expected processing time:
Open the Talk360 app
Tap Support
Send us your proof of payment (receipt or transaction reference)
Always save screenshots or receipts of your payments. These will provide crucial proof for tracing the transaction and resolving issues if credits are still missing.
💙 We’re here to help.
Our goal is to make sure your payment is clear, your credits arrive correctly, and you can keep calling without hassle.