If a payment fails, changes pause straight away; if it is still unpaid after 7 days, the plan ends and the listing fixes we added in Google Merchant Center come out. Your Google Ads account stays as it is.
We email you when it happens, retry your card once a day and warn you about a day before the end. Saving a new card charges the unpaid fee straight away.
Your data and reports keep updating the whole time, as on the free plan, and the unpaid fee stays owed. Once it is paid, one press of Optimize puts the listing fixes back.
The full detail: Billing, cancellation and non-payment policy.
See it on your own accounts
Free plan, no card: see everything Optimize would change before you pay.