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About the monthly invoicing (credit line) payment setting

  • Monthly invoicing is a payment setting in which Google extends a line of credit to you for your advertising costs, and you receive an invoice each month.
  • In most countries, you can pay your invoice by check or wire transfer. However, the options might vary in your country. Your invoice will state the options available to you.
  • You make payments according to the terms and conditions that you agree to when you enroll in monthly invoicing. There's no fee for using monthly invoicing.
  • Typically, this payment setting is used by large advertisers and businesses—for example, an ad agency that manages its clients' AdWords accounts.

This article covers how to apply for monthly invoicing, make a payment, use a credit line, and control costs.

Applying for monthly invoicing

You might be able to use the monthly invoicing payment setting if your business meets certain requirements. These requirement include, but aren't limited to:

  • Being registered as a business for a minimum of one year.
  • Spending a minimum of $5,000 a month (this can vary by country) for any 3 of the last 12 months.

If you meet these initial requirements and would like to apply for monthly invoicing, contact us. We'll review your credit history. If you're approved, we'll send you an email offering you:

  • Payment terms: How much time you have to pay us after we've issued you an invoice. Typically, this is 30 days.
  • Credit line: The maximum balance for all the monthly invoiced accounts that you're responsible for. This balance is made up of all unpaid advertising costs, including charges that have and haven't yet been invoiced.

Once you agree to these terms, we'll convert your account to the monthly invoicing setting. But remember that if you exceed either your payment terms or credit line, your ads may be slowed or stopped. We'll email your invoice, usually by the 5th business day of the month, with instructions on how you can pay.

How to pay

In order to process your payments as quickly and accurately as possible, please follow the instructions below for your payment method. Remember to include the associated invoice number and credit memo number with your payments, which can make payment application to your account up to 20 times faster.

Banking details can be found at the bottom of your invoice. If you have questions about invoice numbers or payment processing, email the address shown on your invoice.

Wire transfer

  • Sign in to your bank portal to make a payment. Enter the invoice number and credit memo number (if any) that your payment is covering in the Payment Reference field.
  • If you're paying for multiple invoices, provide all the invoice numbers in full, separated by a forward slash "/" with a space before and after.

    Example: 4000000001 / 4000000002 / 4000000003 / 1000000009

  • If you’re running out of space in the Payment Reference field, provide as many invoice numbers as possible in the bank portal, then email the invoice numbers and amounts to the address shown on your invoice.

Keep in mind

The "Payment Reference" field could have a different name, depending on your bank, such as "Notification," "Description," "Additional Information," "Reference," etc.


  • Send the invoice number and credit memo number (if any) with the check.
  • If you're paying for multiple invoices, provide all the invoice numbers and respective amounts.


Invoice/Credit memo Amount
4000000001 $100.00
4000000002 $200.01
4000000003 $300.02
1000000009 -$50.09
Using a credit line for multiple accounts

Monthly invoicing is often used to pay for multiple accounts. Here's an example of how it would work with two accounts:

Suppose you had two accounts on monthly invoicing and a $20,000 credit line. Let's say the two accounts' unpaid costs—invoiced and not yet invoiced—add up to $15,000, as shown in the table below.

  Account 1 Account 2 Balance
Invoiced costs $4,000 $3,000 $7,000
Uninvoiced costs $2,000 $6,000 $8,000
Total unpaid costs $6,000 $9,000 $15,000

In this case, your accounts could accrue $5,000 more in unpaid costs before reaching your credit line. Any payment you make would reduce that balance, giving you more available credit. Just remember to send in your payment on time and to include invoice numbers so it's clear where to apply your payment.

Controlling costs on monthly invoicing

Once you've been assigned a credit line, you can calculate the maximum amount you can use as your daily budget. This is a good way to distribute your campaign costs over a certain time period. Here's how you'd use one:


Let's say you have an AdWords account with two campaigns, and you want to spend a total of $10,000 for the 30-day month. To make sure this $10,000 lasts the entire month, first decide how much you want to spend on each campaign. Suppose you want to dedicate $7500 to campaign #1 and $2500 to campaign #2. To find your daily budget, divide each amount by 30:

$7500 / 30 = $250
$2500 / 30 = $83.33

Following this formula, you'll assign campaign #1 a daily budget of $250 and campaign #2 a daily budget of $83.33.

Keep in mind that if you'd like to spend $10,000 per month and you have 30 days to pay your bill, your credit line has to be at least $20,000. Why? After the first month, you'll have used $10,000 of your credit line. So, by the time you'll have paid the bill, (i.e. after 30 days), you'll have spent an additional $10,000 with Google for that second month. That's why your credit line has to be at least 20k.

Your campaign daily costs might go slightly over or under your daily budget, but you won't be charged more for a campaign than your daily budget times the number of days in that period. This is known as overdelivery.

When setting your campaign budgets, keep in mind that your credit line will need to cover all your account costs, including:

  • The costs accruing in your account(s) each day for which you haven't been billed.
  • The costs for which you've been invoiced but haven't yet paid.
  • The costs that accrue in your account while your previous month's payment is processed (a minimum of several days).

If you don't spend your daily budget each day, your monthly costs could be lower than you expect. That's why it's a good idea to check your costs partway through the month, in case you'd like to raise your bid.

To view your costs, follow these steps:

  1. Sign in to your AdWords account at
  2. Click the Campaigns tab.
  3. Be sure that the "All" or "All but removed" filter is selected.
  4. Set the date range so you're viewing the information for "This month."
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