How do I check if my VCC is compatible with Microsoft Ads?

To check if your Virtual Credit Card (VCC) is compatible with Microsoft Ads, you can follow these steps and guidelines to ensure that the card meets Microsoft's requirements for payment processing:

🛠� Steps to Check Compatibility
Ensure the VCC Supports 3D Secure and AVS

3D Secure: This is a security protocol that adds an extra verification step during the transaction. Microsoft Ads typically requires this for virtual cards.

AVS (Address Verification System): This ensures the billing address on file matches the one entered during payment. Most VCCs, especially from reputable providers like Revolut, Payoneer, and Stripe Issuing, support AVS.

To check:

Visit your VCC provider's dashboard or customer support page to see if 3D Secure and AVS are supported.

If you're unsure, contact the VCC provider directly and ask if the card supports these features.

Check If the Card is Region-Appropriate

Microsoft Ads may restrict cards based on location and payment provider.

Some VCCs issued in certain countries might be flagged or unsupported, especially in high-risk regions.

Confirm with your VCC provider whether the card can be used internationally and if Microsoft Ads accepts it for payments in your region.

Confirm the Card's Billing Address Matches

Microsoft Ads will require you to input a billing address that matches the address associated with the VCC.

Ensure the address you provide in Microsoft Ads is exactly the same as the one registered with your VCC.

Make a Small Test Transaction

Try making a small payment on your Microsoft Ads account to test whether the VCC is accepted.

If the payment is successful and no issues arise, your card is likely compatible.

If the payment is pending or declined, there might be an issue with your card's compatibility or settings.

✅ Things to Keep in Mind
Reputable VCC Providers: Microsoft Ads is more likely to accept VCCs from established providers such as Payoneer, Revolut, Stripe, and Wise. These cards tend to have better compatibility with AVS and 3D Secure.

High-Risk Cards: If you're using anonymous cards, temporary cards, or prepaid cards from unknown issuers, they are more likely to be flagged or rejected by Microsoft Ads.

Microsoft Ads Payment Terms: Ensure that the card you're using adheres to Microsoft Ads payment policies. Some cards, especially from countries with high fraud rates, might not be supported.

🚨 What to Do If the VCC Is Not Compatible
If your VCC isn't working:

Check the card's features: Make sure it supports 3D Secure, AVS, and is valid for international payments.

Contact VCC provider support: Ask them if their card is compatible with Microsoft Ads and if they have any specific steps to follow.

Consider using an alternative payment method: If compatibility issues persist, you can use a traditional credit card, PayPal, or bank transfer to fund your Microsoft Ads account.

By following these steps, you should be able to determine if your VCC is compatible with Microsoft Ads.