I recently applied and activated GCash Virtual Pay with American Express. I followed the instructions configured the thing on my Google Play account, placed the address, zip code, card number, CVC, etc. on the fields on Google Wallet. I thought I have it all figured out, but then again, when I tried to pay for a bundle in Hearthstone (Curse of Naxxramas)... It said, "Your payment was declined because it was considered high risk, try again in 30 minutes". I tried again for 30 mins, made sure that the fields a filled up in google wallet are the same with the information given to me by GCash, but it still says the same thing.