In reply to Phil Kirk.

Remember the feature they had where you could use a credit/debit card as back-up for payment instead of your balance. Now if you don't have enough in your google wallet balance you get declined without the option of using a credit/debit card that was added to the account.

Imagine if you had to add a balance to an Apple Wallet before being able to use ApplePay for a purchase, lol? Why is google trying to sink its own product?