Settle a negative balance

A negative Google Pay balance is like having an overdrawn checking account. You won't be able to use Google Pay for transactions until you've settled your Google Pay balance to cover the negative amount. If your Google Pay balance stays negative too long, we might send your case to our collections department for further action.

Your Google Pay balance may show up as negative if:

  • Someone sent you money and then filed a chargeback with their bank.
  • You tried to send money from a bank account that didn't have enough funds.
  • A temporary credit in your account for a dispute under investigation was rejected.

Add money to your Google Pay balance

If you tried to send money and saw the error message "Unable to send money: Your account has a negative balance," tap Settle balance and follow the instructions.

You can also settle a negative balance any time using

  1. Go to
  2. Click Payment methods.
  3. Under "Google Pay balance," click Settle balance.
  4. Follow the instructions.

Contact us at if you have any questions or need help settling your negative Google Pay balance.

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