Why does Microsoft Ads keep removing my VCC as a payment method?

If Microsoft Ads is repeatedly removing your Virtual Credit Card (VCC) as a payment method, there could be a variety of reasons behind this issue. Here's a breakdown of possible causes and what you can do to fix it:

🔍 1. Fraud Detection and Security Measures
Microsoft Ads has strict fraud detection protocols, and if your VCC triggers any of these security checks, the system may automatically remove the payment method to prevent suspicious activity.

Frequent Payment Method Changes: If you've been changing your VCC too frequently, it may appear suspicious to Microsoft Ads.

Unusual Activity: Sudden or large transactions on a new payment method, especially if the card is from a high-risk region, might trigger an automatic block or removal.

Mismatch of Billing Information: If the billing address or other details entered in Microsoft Ads don't match the information registered with the VCC issuer, it may flag the card for removal.

🔒 2. VCC Doesn't Meet Microsoft Ads' Payment Requirements
Microsoft Ads may remove your VCC if it doesn't meet certain payment method requirements:

AVS (Address Verification System): Microsoft Ads requires VCCs to support AVS, which checks that the billing address on the card matches the one entered during payment. If your VCC doesn't support AVS, Microsoft Ads might remove it.

3D Secure: Microsoft Ads may also require 3D Secure for extra transaction verification. If your VCC doesn't support this feature, it may be removed from your payment methods.

💳 3. Payment Method Failure
If your VCC fails to process payments due to:

Insufficient funds: The VCC may have insufficient funds to cover the ad spend or an authorization hold placed by Microsoft Ads.

Expired Card: If the VCC is expired or has been canceled by your VCC provider, Microsoft Ads may automatically remove it from your account.

🌍 4. Regional Restrictions
Microsoft Ads may restrict VCC usage based on the region or country. If you're using a VCC from a high-risk country or a location not supported by Microsoft Ads, it might lead to the removal of the card.

Some regions are known for high fraud risks, and using a VCC from such a region could cause Microsoft Ads to remove it.

⚠️ 5. VCC Blocked by Issuer
If your VCC is blocked or flagged by the VCC provider due to suspicious activity or security concerns, it can lead to the card being automatically removed from Microsoft Ads.

Contact your VCC provider to ensure there are no restrictions, holds, or issues with your card.

✅ How to Resolve the Issue
Ensure Billing Details Match:

Double-check that the billing address and personal information you've entered in Microsoft Ads exactly match the information associated with your VCC. This includes the address, name, and ZIP code.

Use a Trusted VCC Provider:

If your VCC is from a lesser-known provider or an anonymous card, consider using a more reputable VCC provider like Payoneer, Revolut, Stripe, or Wise, which are less likely to be flagged.

Confirm VCC Supports AVS and 3D Secure:

Ensure your VCC supports AVS (Address Verification System) and 3D Secure (for transaction verification). Without these, Microsoft Ads may remove your card.

Check with your VCC provider to confirm that these features are supported.

Add Sufficient Funds:

Make sure there are enough funds available on your VCC to cover the ad spend or the authorization hold Microsoft Ads places on your account.

Ensure VCC Is Active:

Verify that your VCC is still active and hasn't expired or been canceled by the provider.

Avoid Frequent Card Changes:

If you've been changing your payment method often, try to keep the same card for a while to avoid triggering Microsoft Ads' fraud detection system.

If you do need to change your VCC, make sure to update the billing address and details properly.

Contact Microsoft Ads Support:

If the problem persists, reach out to Microsoft Ads support for help. They can provide more specific information regarding why your VCC is being removed.

Provide details about the card, the errors you're encountering, and any action you've already taken.

Check for Regional Payment Restrictions:

If you're in a region with known payment restrictions, try using an alternative payment method like a traditional credit card or PayPal.

📞 How to Contact Microsoft Ads Support
To contact Microsoft Ads support, you can:

Phone: Look for the regional phone number listed on the Microsoft Ads Help Center.

Live Chat: Use the live chat feature for quicker assistance.

Email: Email Microsoft Ads support if other methods aren't available in your region.

By following these steps, you should be able to resolve the issue of Microsoft Ads repeatedly removing your VCC as a payment method.