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:
Temporary issues with your bank or payment service
Insufficient balance or spending limits on your card or wallet
Extra security verification is required by your bank
A short interruption during checkout
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 3 working days
Other payments: usually within 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 messages such as:
Payment declined or refused
Your card didn’t have enough balance, reached a limit, or wasn’t approved by your bank.Authorization reversed
The payment was canceled by your bank or card provider before completion.Verification not completed
An extra security step was required, but not confirmed in time.Payment not allowed / card restricted
Your card has limits for online or international payments that must be enabled by your bank.Payment is processing
The payment is still being confirmed.
These messages come from your bank or card provider.
Unfortunately, Talk360 cannot override these decisions, so contacting your bank is often the fastest solution.
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 is refused:
Check your card details and available balance
Complete any required bank security confirmation
Wait a short time and try again
Avoid retrying many times in a row, as this may cause a temporary block
Contact your bank or card provider if the issue continues
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)
💙 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.