What should I do if my VCC is blocked in Microsoft Ads?

If your Virtual Credit Card (VCC) is blocked in Microsoft Ads, there could be several reasons behind it, and the next steps depend on the cause of the block. Here's how to troubleshoot and resolve the issue:

🔍 Common Reasons for a Blocked VCC in Microsoft Ads
💳 VCC Not Supported

Microsoft Ads may block virtual cards that don't meet their payment criteria (e.g., cards lacking 3D Secure or AVS support).

🔒 Security/Verification Issues

Microsoft's fraud detection system may block the card if it detects suspicious activity, such as multiple card changes in a short period or mismatched billing information.

💸 Insufficient Funds

If the VCC doesn't have enough funds to cover the ad spend or the authorization charge, the card could be blocked from further payments.

🌍 Regional Restrictions

Some VCCs may not be accepted in certain regions or countries due to local regulations or Microsoft's payment policies for specific areas.

⚠️ Violating Terms or Limits

Microsoft Ads may block VCCs that violate their payment terms or exceed certain spending limits set for VCCs.

✅ Steps to Unblock or Resolve VCC Issues
Review Your Payment Information

Double-check billing info: Ensure that the billing address entered in Microsoft Ads matches exactly what is on file with your VCC provider.

Check VCC limits: Confirm that your VCC hasn't exceeded any transaction or spending limits imposed by the provider.

Verify VCC Features

Check 3D Secure and AVS support: Confirm that your VCC supports 3D Secure and AVS (Address Verification System). These are often necessary for Microsoft Ads to process payments.

Check VCC provider: Ensure you're using a reputable VCC provider, such as Payoneer, Revolut, or Wise. Cards from less-known or anonymous providers may be blocked.

Add a New Payment Method

If your VCC continues to be blocked, try adding a different payment method (such as a traditional credit card or PayPal) to continue running ads.

Wait for Microsoft Ads to Lift the Block

If Microsoft Ads has blocked your VCC due to suspicious activity, they may automatically lift the block after a certain period or after you verify the account.

Contact Microsoft Ads Support

If you can't unblock the VCC yourself, reach out to Microsoft Ads support. Provide them with:

Your account details.

The exact error message or reason for the block (if available).

Any steps you've taken to resolve the issue.

You can contact them through the Microsoft Ads Help Center.

Review Your Ad Account's History

Ensure that your account hasn't been flagged for violating Microsoft Ads' policies (e.g., suspicious activity, invalid payment methods, or high-risk payment behavior). This could also be the reason for the VCC block.

🧠 Preventing Future Blocks
Avoid frequent card changes: Changing your payment method too often can trigger Microsoft Ads' fraud detection systems.

Keep billing details consistent: Ensure your billing address, name, and email match the information on file with your VCC provider.

Use reliable VCC providers: Stick with VCCs from well-known financial institutions like Payoneer or Revolut, which are less likely to be flagged.

By following these steps, you should be able to identify why your VCC is blocked and work towards unblocking it. If you're still having trouble, Microsoft Ads support can help you resolve the issue.