Why is my Facebook Ads VCC payment getting declined even though it has funds?

Why Your Facebook Ads VCC Payment Is Getting Declined Even Though It Has Funds
If Facebook Ads declines your Virtual Credit Card (VCC) payment even though you have enough funds, it is likely due to fraud detection, card restrictions, or verification issues. Below are the possible reasons and solutions.

🔹 1️⃣ Facebook Flagged Your VCC as High-Risk
Facebook has strict fraud detection rules and flags certain VCC providers as high-risk. If your VCC is from a blacklisted provider, Facebook may reject the payment.

✅ Solution:

Use a trusted VCC provider like ExoCards that is compatible with Facebook Ads.
If using a new VCC, try waiting 24 hours before adding it again.
Avoid using free or disposable VCCs, as they are frequently blocked.
📌 If your VCC was blocked, Facebook won't accept it again, even if it has funds. Try a different provider.

🔹 2️⃣ Your VCC Has a Spending Limit or Payment Restriction
Some VCC providers have limits on:

Daily or transaction spending caps.
International transactions, which may block payments to Facebook.
Pre-authorization holds, which may reduce the available balance.
✅ Solution:

Contact your VCC provider and ask if they allow Facebook Ads transactions.
Check if your VCC has enough available balance after pre-authorizations.
Try a different VCC provider with higher transaction limits.
📌 Even if you have funds, your VCC might be restricting payments to Facebook.

🔹 3️⃣ Facebook Pre-Authorized the Payment But Didn't Process It
Facebook sometimes places a hold on your VCC before actually charging it. If the pre-authorization fails, Facebook declines the payment.

✅ Solution:

Wait 12-24 hours and check if Facebook retries the payment.
Manually retry the payment in Facebook Billing Settings.
If the VCC provider blocks pre-authorizations, switch to a different VCC.