How can I use a VCC to control my ad spend without overspending?

How to Use a VCC to Control Facebook Ads Spend Without Overspending
Using a Virtual Credit Card (VCC) is a smart way to limit ad spending and prevent Facebook Ads from overcharging you. Follow these steps to set a strict spending limit while ensuring your campaigns run smoothly.

🔹 1️⃣ Choose a VCC with a Predefined Spending Limit
A reloadable VCC or prepaid VCC lets you set an exact budget for ads.

✅ Best Practices:

Use a VCC with a fixed balance (e.g., $100 for the month).
Select a VCC provider that allows manual top-ups (e.g., ExoCards).
Avoid VCCs that allow Facebook to charge unlimited amounts.
📌 If your VCC has limited funds, Facebook cannot charge beyond the set amount.

🔹 2️⃣ Set a Manual Payment Threshold in Facebook Ads
📌 By setting a lower payment threshold, you control when Facebook charges your VCC.

✅ How to Set a Payment Threshold:
1️⃣ Go to Facebook Ads Billing Settings:
👉 https://business.facebook.com/settings/payment-methods
2️⃣ Scroll to Payment Threshold and click Edit.
3️⃣ Enter a lower threshold amount (e.g., $25 or $50 instead of $250).
4️⃣ Click Save Changes.

📌 Facebook will now charge your VCC only when this amount is reached.

🔹 3️⃣ Use Facebook Ads Prepaid (Manual Payments)
📌 With prepaid payments, you manually add funds instead of letting Facebook auto-charge your VCC.

✅ How to Switch to Prepaid (Manual Payments):
1️⃣ Go to Facebook Billing and check if you have a "Prepaid" option.
2️⃣ Click "Add Funds" and enter the amount you want to spend (e.g., $100).
3️⃣ Select your VCC as the payment method and complete the transaction.
4️⃣ Facebook will use this balance until it reaches $0, then stop ads.

📌 Not all accounts have the prepaid option. You may need to request it via Facebook Support.

🔹 4️⃣ Set a Daily Budget for Each Campaign
📌 Facebook will charge your VCC based on the campaign budget, so setting limits helps prevent overspending.

✅ How to Set a Daily Budget:
1️⃣ Go to Facebook Ads Manager → Create a Campaign.
2️⃣ Scroll to Budget & Schedule.
3️⃣ Choose "Daily Budget" and enter the maximum amount (e.g., $10/day).
4️⃣ Click Save.

📌 This ensures Facebook never charges more than your daily budget.

🔹 5️⃣ Add a Backup Payment Method to Prevent Disruptions
📌 If your VCC runs out of funds, Facebook may pause your ads. To prevent this, add a backup method.

✅ How to Add a Backup Payment Method:
1️⃣ Go to Facebook Billing → Payment Methods.
2️⃣ Click "Add Payment Method."
3️⃣ Enter a backup VCC, PayPal, or another credit card.
4️⃣ Facebook will charge this only if the primary VCC fails.

📌 Your primary VCC still controls spending, but this ensures ads don't stop unexpectedly.

🔹 6️⃣ Monitor Spending & Set Alerts
📌 Track your VCC balance and set alerts to avoid unexpected charges.

✅ How to Track Spending:

Use your VCC provider's dashboard to monitor transactions.
Check Facebook Ads Billing to see upcoming charges.
Set a low-balance notification on your VCC (if supported).
📌 Some VCC providers allow setting a "low balance" alert when funds drop below a certain amount.

🚀 Final Fixes Checklist
✔ Use a reloadable VCC with a fixed spending limit (e.g., ExoCards).
✔ Set a low payment threshold in Facebook Ads to control charges.
✔ Switch to prepaid (manual payments) if available.
✔ Set a daily budget for each ad campaign.
✔ Add a backup payment method to prevent ad disruptions.
✔ Monitor VCC spending & set alerts to track charges.