You launch an ad campaign, allocate a budget, and suddenly, Facebook declines the payment. Or worse — your ad account gets blocked. Why?

Facebook thoroughly analyzes every transaction. If something seems suspicious, the payment won’t go through. A card from one country and an account from another? Suspicious. A sudden budget increase? A potential fraud indicator. Frequent card changes? Raises red flags.

The worst part—Facebook’s algorithms function like a black box. Sometimes, blocks happen for no apparent reason. But one thing is certain: Meta’s payment systems are much more lenient towards verified virtual cards.

In this article, we’ll review the top 3 services that work reliably and help you run ads smoothly.

Read on: a review of Spend, Flexcards, and ComboCards.

1. Spend.net 

The financial platform Spend.net specializes in virtual dollar cards. They offer dedicated cards for media buying on popular platforms. Facebook is one of the key platforms for these cards, and they are specifically adapted to its anti-fraud systems.

All Spend.net cards guarantee an automatic 2% cashback on ad spend. The cashback is credited automatically and can be tracked in the personal dashboard. Additionally, card issuance is free.

Deposit fees are customizable. The top-up fee depends on user preferences — just select the desired percentage when funding the card. All expenses are fully transparent. There are no fees for card issuance or financial operations. No transaction fees, no currency exchange charges, no withdrawal fees.

Technical specifications:

• Payment systems: Visa/Mastercard
• BINs: 20 BINs to minimize risk payments
• Team collaboration: Task distribution and role assignment
• Expense analytics: Financial reporting in CSV and XSL formats
• Security technologies: 3D Secure
• Crypto: USDT, BTC
• Platform registration: Google account or email authorization
• Support: 24/7 live chat support

2. Flexcards

Flexcard is a platform for issuing virtual cards for ad payments on Facebook and other platforms. It allows unlimited card issuance and has an intuitive interface.

One of its main advantages is its cost-effective fee structure. There are no extra charges on transactions, and card top-ups are always stable, not exceeding 4% of the deposit amount.

Technical specifications:

• Payment systems: Visa/Mastercard
• BINs: 10 BINs, updated every 3–4 months
• Team collaboration: Task distribution and role assignment
• Expense analytics: Transaction history in the personal dashboard
• Security technologies: 3D Secure on selected BINs
• Crypto: USDT
• Platform registration: Website registration with verification required
• Support: Available 10:00–22:00 (GMT +3) via Telegram chat

3. Combo Cards

This service supports payments from affiliate programs and contractors, card and account rentals for developer accounts in Apple Store and Google Play, and global bank transfers.

Its commission system is cost-effective. Users don’t pay for transactions or declines, and the top-up fee is only 3%.

Technical specifications:

• Payment systems: Visa/Mastercard/UnionPay
• BINs: 12 BINs from banks in the US, Europe, the UK, and Hong Kong
• Team collaboration: Role assignment
• Expense analytics: Brief transaction details in the personal dashboard
• Security technologies: 3D Secure
• Crypto: USDT
• Platform registration: Website registration with verification and manager approval
• Support: 24/7 AI-based support on the website

Simple tips to avoid declines on Facebook

1. Link multiple cards in advance

If Facebook declines your primary payment, the system will automatically attempt to charge a backup card. This prevents campaign interruptions and potential account suspension due to failed payments.

2. Avoid sudden cash flow spikes

Facebook not only monitors budget increases but also unusual spending patterns. For example, if you had 10 small transactions and then suddenly one large one, it may raise a flag. Distribute payments evenly throughout the day.

3. Add the card to Facebook Pay before launching ads

Linking the card through Facebook Pay before starting a campaign increases its trust score. This reduces the chances of payment declines since Facebook already “knows” the card.

4. Use a card with a payment history on other Meta services

If the card has already been used for subscriptions on Facebook or Instagram, the system will treat it more favorably. Before launching ads, test payments with small in-app purchases within the Meta ecosystem.

5. Change payment details at night (account time zone)

Facebook updates automated checks less frequently during non-business hours. Adding a new card at 3–4 AM in the account’s country time reduces the risk of an immediate block.

6. Don’t use the same cards for personal and business accounts

Facebook may link transactions if the same card is used for personal purchases and ad payments. This increases the risk of restrictions on the ad account due to suspicious activity in the personal account.

To sum up

Facebook can be strict with payments for various reasons. Sometimes, blocks happen for no apparent reason, but one thing remains true — the more reliable your card, the fewer issues you’ll face.

We reviewed three services that work consistently with Facebook Ads and help you run campaigns smoothly. Test them out, choose the best fit for you, and monitor your payments carefully — this will ensure a hassle-free ad campaign.

Of course, Facebook’s automated algorithms are not always predictable, but there are ways to work around them. Also, keep an eye on Meta’s payment policy updates.