Google Play Purchases

I usually play Clash of Clans (application/game) on my cellphone and to get further into game for my own thing I have bein trying to buy gems ( In - Game purchases) to try to give myself a boost. But everytime I use my friends Standard Chartered MasterVisa card to make in game purchases the payment method always get declined. That card is working properly on STEAM and elsewhere but not on google play or for In-Game Purchases. NEED HELP. What do I do ?