Why does Facebook Ads require two-step verification when using a VCC?

Facebook Ads (Meta Ads) requires two-step verification (2FA) when using a Virtual Credit Card (VCC) to enhance security, prevent fraud, and verify account ownership. Their fraud detection system treats VCCs as high-risk, triggering extra security measures like 2FA verification.

🔹 Why Facebook Ads Requires 2FA with a VCC
1️⃣ Facebook Flags VCCs as High-Risk Payment Methods
VCCs are commonly used in ad fraud, chargebacks, and multiple accounts.
Facebook's system flags VCC transactions as potentially risky.
✅ Solution:

Use a trusted VCC provider like ExoCards that works with Facebook Ads.
Ensure the billing address matches your account country.
2️⃣ Prevents Unauthorized Use of Payment Methods
If Facebook detects a VCC used on multiple accounts, it forces 2FA verification to confirm identity.
This prevents hacked or stolen accounts from adding unauthorized cards.
✅ Solution:

Always log in from a consistent IP & device when adding a new VCC.
If prompted for 2FA, complete the process and do not switch accounts frequently.
3️⃣ Facebook's AI Detects Frequent Billing Changes
If you add, remove, or change payment methods too often, Facebook sees this as suspicious behavior.
Their system requires 2FA to confirm that you are the account owner before allowing new payments.
✅ Solution:

Stick to one stable payment method and avoid switching VCCs too often.
Enable auto-recharge on your VCC to avoid frequent changes.
4️⃣ Your Account's Trust Score Is Low
New or inactive accounts with low ad spend history trigger more security checks.
Facebook forces 2FA to ensure only legitimate advertisers can run ads.
✅ Solution:

Start with low daily budgets and gradually increase spending.
Use a real business profile with verified details to build trust.
5️⃣ Your IP Address or Device Changed
If you log in from a new location or device, Facebook requires 2FA before accepting a VCC.
This prevents hackers from adding unauthorized payment methods.
✅ Solution:

Use a consistent IP and device when managing Facebook Ads.
If using a VPN, ensure the location matches your account's billing country.
🔹 How to Bypass Facebook's 2FA When Using a VCC
✔ Use a VCC with a valid billing address & country that matches your Facebook Ads account.
✔ Log in from the same device and IP every time.
✔ Avoid frequent VCC changes – stick to one stable payment method.
✔ Enable Facebook's 2FA in advance using Google Authenticator or SMS.
✔ Increase your account trust by gradually spending on ads before adding a VCC.

📌 If your VCC gets rejected, try switching to another provider like ExoCards).