Detailed Guide on Paying for Facebook Ads via Card

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1. Which Bank Card Should You Use for Facebook Ads?

Starting with the process of obtaining a card, which can be challenging for some. Simply visit a bank and request a card for running Facebook ads. Remember to bring your ID card.

For running Facebook ads, which bank should you choose? At ACB Bank, you can get a card in as little as 15 minutes. It’s advisable to obtain three types of cards: Visa, MasterCard, and American Express (the latter is only for USD transactions). This way, each bank provides you with three cards for backup, and each card can be added to an advertising account. Theoretically, each card can be added to 10 advertising accounts, but in practice, after adding it to about three accounts, the card may be locked. Therefore, it’s best to use one card per account.

At Vietcombank, each individual can open multiple accounts; I’ve tried and was allowed to open two. This means you have six backup cards at this bank. You can do the same with other banks, giving you plenty of options.

If you intend to use one card for multiple accounts, consider upgrading to a Business account. In the Business Manager, you’ll have an additional payment method option for Facebook, similar to using a company account. I’ve managed to run 15 accounts simultaneously with one card this way. However, be aware of the risk of simultaneous account suspensions. Generally, adding a payment method to fewer accounts reduces the risk of being locked.

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2. How to Add a Payment Method on Facebook

2.1. Which Visa Card to Use for Facebook Ads?

When running ads on Facebook, you must use a Visa or MasterCard.

There are two main types of Visa cards for running and paying for Facebook ads:

• Visa Debit Card: With this card, you need to deposit money into the card before running Facebook ads, similar to a “prepaid” subscription.
• Visa Credit Card: The bank lends you money to run ads first, and you repay it at the end of the month, akin to a “postpaid” subscription. The procedure to obtain a credit card is much more complicated than a debit card.

In summary, it’s recommended to use a Visa Debit card for Facebook ads. Which bank should you choose for Facebook ads? Here are some reputable banks with stable international payments: Vietcombank, ACB – Asia Commercial Bank, Techcombank, BIDV.

2.2. Steps to Add a Payment Method on Facebook

Step 1: In the search bar of the Ads Manager, navigate to the Billing section.

Step 2: On the right-hand side, click on the Payment Settings button.

Step 3: On the left column, select Payment Settings.

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Step 4: On the right-hand side, click on the Add Payment Method button

Step 5: Enter your Visa card information into Facebook.

• Card Number: Enter the entire sequence of numbers on the front of the card. This is not your bank account number but the number printed on your Visa card.
• Expiration Date: Enter the month/year of expiration printed on the card, usually located below the card number.
• Security Code: The three-digit number on the back of the card.

Once completed, click Continue to add the Visa card in preparation for running ads.

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3. Notes When Paying for Facebook Ads via Card

When adding a card to your account, you should avoid doing so on networks you don’t frequently use, such as a café or a classroom, as the process may fail. Instead, add the card while connected to the internet network you regularly use for Facebook.

If you reach the Facebook ad debt payment limit near the weekend, it’s best to pay in advance. Based on my experience in Vietnam, automatic ad payments to Facebook on weekends often encounter errors, which can harm your payment history and make it difficult to request a higher spending threshold. In the past, you could leverage Facebook’s credit system for business purposes. Initially, you could run ads for friends or family to reach a debt threshold of, say, 30 million VND. If you had three accounts, each with a 30 million VND debt, Facebook would allow you to borrow 90 million VND for one month to run ads freely.

You could then run ads, receive orders, pick up goods from suppliers, and deliver them. Facebook’s policy allows you to pay ad debts either at the end of the month or when you reach your spending limit. Typically, the debt threshold increases slowly. You can request a higher limit, but this requires high spending and a clean payment history. Therefore, if you have the funds, it’s best to make payments proactively to build Facebook’s trust.

A common mistake people make is not changing the default password at an ATM after getting a new card. They then wonder why they can’t add the card. You must change the default password first. Once done, you can start running ads immediately. I’m not sure where people get their information, but this issue is frequently asked—just plug in your card and go.

Which card should you use for Facebook ad payments?
Reputable banks tend to have a higher success rate when adding cards. Before linking your card, it’s advisable to make a small international transaction first—such as using Uber or purchasing in-game items on Facebook. Avoid banks like Sacombank, Agribank, and MB, as certain card prefixes have a history of abuse, leading to immediate card blocking upon adding.

Accounts with higher ad spend receive certain privileges, such as better ad distribution and quicker support in case of violations.

Important tips:

• Don’t keep too much money in your card—only enough for your ad limit. Alternatively, top up just before payment.
• Never use your primary business or savings account for ad payments. Some clients have mistakenly entered an extra zero when setting a 2 million VND daily budget, turning it into 20 million VND overnight—resulting in major losses.

A small tip when using a Visa card for Facebook ads:
If you urgently need to pay for Facebook ads on a weekend or after banking hours, you won’t be able to transfer money between different banks. A solution is to use card-to-card transfers, which most banks support. It takes only five minutes, and your card number is printed or embossed on the card itself.

If you’ve lost too many accounts, you can borrow a Facebook account from friends or family to add a payment card. It doesn’t matter if the name on the card is different—you can still add it and run ads. However, never log into the borrowed account from your own device using their email and password. Instead, create the account on their device and network for better stability. Once set up, add yourself as an admin for full control. If your accounts have been heavily restricted, consider remotely accessing another computer to manage the account temporarily.

These are detailed experiences on opening cards and paying for Facebook ads. If you’re planning to run Facebook ads but are unsure which card to use or how to pay, this guide will help you confidently navigate ad payments and debt management.

If you need the most reputable payment method and advertising account provider, you can message the fanpage buybm365.com-Ads to receive advice from HT Media. In addition, you can follow the articles. Latest articles related to our Digital Marketing.