Why is my Microsoft Ads VCC payment stuck in "Pending"?

If your Microsoft Ads VCC payment is stuck in "Pending", it usually means Microsoft hasn't been able to verify, authorize, or capture the payment yet. Here's a breakdown of what might be going wrong and how to fix it:

🔍 Common Reasons for "Pending" VCC Payments
🛑 VCC Not Fully Supported

Some virtual cards don't support all necessary payment protocols (like AVS or 3D Secure).

Microsoft might attempt authorization, but the card can't complete it—so it stays pending.

💳 Insufficient Funds or Hold

Microsoft might place a temporary hold (e.g. $1–$5) to test the card.

If your VCC doesn't have enough balance or restricts authorizations, the payment may not clear.

📋 Incorrect Billing Info

If the name, address, or ZIP code on the VCC doesn't exactly match what's entered in your account, verification can fail silently.

⏱️ New Card Delay

If you just added the VCC, Microsoft may take up to 24–72 hours to process and verify the card, especially for manual payments.

🔒 Security or Risk Hold

Microsoft may flag the payment for review if:

It's from a suspicious IP/country

You've added multiple cards in a short time

The card is tied to flagged accounts

✅ What You Can Do
Double-Check Billing Info

Make sure your VCC's billing address matches exactly what Microsoft expects.

Ensure Balance & Authorization

Load some extra funds to your VCC just in case Microsoft tries a hold or verification charge.

Wait a Bit (If New)

Payments can be "pending" for up to 3 business days before they fail or succeed.

Contact Microsoft Ads Support

Go to Microsoft Ads Support and:

Ask for payment verification status.

Request a manual review or whitelisting of your VCC (if you're sure it's legit).

🧠 Pro Tip
Try using manual payments instead of postpay. Many VCCs work better when you prepay a balance instead of allowing Microsoft to auto-charge after ad spend.