Payment Not Approved” Offer Claim Doesn’t Work

Please don’t tire yourself out trying again and again with different cards.

If you have already tested different cards, browsers, billing details, Google Pay/Apple Pay, etc., and a normal plan on the same account, same browser and same card goes to the OTP page, that is a strong sign that your card, browser, IP, and billing setup are not the main problem.

It looks like the problem is specifically with the offer claim checkout.

Try selecting another normal plan for payment without actually paying or entering the OTP. You should see the OTP/3-D Secure page appear, while the offer claim gets “Payment was not approved” immediately.

CLAIM OFFER WILL NEVER WORK

Same issue!! Anyone else experiencing this ChatGPT Plus free trial error?

Hi everyone,

I’m wondering if anyone else has experienced the same issue with the ChatGPT Plus free trial.

During checkout, I initially encountered “Payment declined,” and on another attempt it changed to “Payment was not approved.”

What’s confusing is that one attempt actually proceeded to the normal bank verification/authorization step. I completed the verification through my banking app, but after returning to ChatGPT, the checkout still showed “Payment was not approved.”

I’ve already tried different payment methods and followed the usual troubleshooting steps. The payment methods themselves work normally for other online transactions, so I’m trying to understand whether other users have encountered the same behavior specifically with the Plus free-trial checkout.

I’m not asking anyone to look into my account or payment details. I’m simply looking for other users who experienced the same thing:

- Did you get “Payment declined” or “Payment was not approved”?

- Did the checkout reach the bank verification/3DS step before failing?

- Were you eventually able to activate the free trial?

- If it was resolved, what ended up fixing it?

If you experienced the same issue, I’d really appreciate hearing about your experience. I’ve been trying to figure this out for quite some time, so knowing whether this is happening to other users would be really helpful.

Thanks!

CLAIM- will never work , as i tested, All plans are working perfectly Accepting payment, (same card, browser, ip, billing address ) but when you try to claim , IT WILL NOT APPROVE, payment will be declined .

same problem . i am also not able to claim the free trial . Upi as well a the card option not working

yes , i am too experiencing the same problem , upi as well as the card option both are showing the error

yes i got the same problem.

i got the same issue please that , if we cant claim the offer then what that point i better invest my money where it provide value

same, I’m actually bored of being rejected all the time, why is that?

Don’t bother wasting your time trying it will never work. There is clearly no issue with your IP, card, or billing. When you try to upgrade manually using the same card and the same browser, the payment goes through instantly.

So this claim is just fishy it looks fake and clearly isn’t working.

Exactly! When you try to claim offer it, it simply won’t work, and OpenAI Support will say that the problem is with your card or billing even if you try 10,000 different cards, it still won’t work.

But when you upgrade manually, the payment goes through and is accepted on the first attempt, using the same card and the same browser. There is no error at all when you try to pay them ! lol

Having the same issue on the Payment showing “Payment was not approved”, what a shame on the ChatGPT.

Having the same issue, my card getting declined

Free Offer on Gemini is working.

Trial Offers: A Psychological Trap?

When you receive a trial offer notification by email or directly in your browser from ChatGPT/OpenAI, it can feel like a great opportunity. But in my experience, it can become nothing more than a psychological trap.

Once you see that you have been given a trial offer, you naturally try everything to make it work. You check your card, change the billing details, try another browser, clear cookies, use a different device, and try different payment methods. You keep thinking that the problem must be something on your side.

But after all those attempts, the payment still fails with a message such as “Payment not approved”—sometimes before the transaction even reaches the bank or OTP verification stage.

What makes the situation even more frustrating is that the same card, on the same browser, can work perfectly when you try to purchase a normal paid upgrade. The payment goes through and reaches the OTP/verification stage without the same problem.

That makes you question whether the issue is really your card, your country, your browser, your cookies, or your billing information.

The frustrating conclusion is that, when this happens with a promotional or trial offer, you can spend a huge amount of time trying to fix something that may not actually be under your control.

You keep trying:

  • Different cards

  • Different browsers

  • Incognito mode

  • Clearing cookies

  • Different devices

  • Checking billing information

  • Contacting the bank

  • Trying again and again

And nothing changes.

Eventually, you become frustrated and give up on the trial offer. If you still want to use the service, the remaining option appears to be simply paying for the regular upgrade plan.

That is why I describe this experience as a psychological trap.

The feeling is: “I have been offered this trial, so there must be a way to activate it. I just need to find the problem.” You keep troubleshooting and trying again because you do not want to lose an offer that was presented to you.

But if the promotional subscription is being blocked internally by the system, no amount of changing your browser, cookies, card, or billing details will necessarily solve it.

And contacting support?

This can make the situation even more frustrating.

Imagine sending OpenAI support a clear screen recording showing exactly what happens:

You are on the same page, using the same browser, with the same stored/linked card and the same billing information. You do not close the browser. You do not change the card. You do not change the billing address or any other details.

You first try to claim the promotional/trial offer. The offer fails before reaching the OTP/payment-verification stage.

Then, without changing anything, you manually select the normal paid upgrade plan and choose to pay upfront.

Suddenly, the payment process works and immediately proceeds to the OTP/payment verification stage.

Same browser.

Same session.

Same card.

Same billing information.

Same device.

No browser restart.

No card change.

No billing change.

Yet the promotional offer fails before OTP, while the normal paid plan proceeds to OTP.

Even after providing a clear recording showing this difference, the response may still be that there is a problem with the card or that you should contact your bank.

At that point, you can reasonably ask: If the bank or card were actually the problem, why does the exact same card, in the exact same browser and session, immediately proceed to OTP when purchasing the normal plan?

Changing cards again and again does not necessarily solve a problem that appears to be specific to the promotional offer. You could theoretically try 1,000 different cards, but if the underlying issue is with the promotional offer or its eligibility/payment-processing flow, the result may remain exactly the same.

So before spending hours changing cards, browsers, cookies, devices, and billing information, consider that the problem may not be on your side at all.

In that situation, it feels like there are only two choices:

1. Keep trying to activate the trial and potentially become frustrated.

2. Forget the trial and either leave or pay for the regular upgrade.

This could apply to different types of promotional offers—not only one-month trials, but potentially student offers, free trials, promotional subscriptions, or other special offers.

The important point is: don’t automatically assume that the failure is your fault. If everything works when purchasing the normal paid plan but the promotional offer repeatedly fails, there may be a difference in how the promotional subscription is processed.