Why is my Facebook Ads payment flagged as high risk?

If your Facebook Ads payment is flagged as "high risk", it means Facebook's automated systems detected something suspicious or unusual about the payment, and they're trying to protect both you and the platform from potential fraud. Here's a breakdown of why this might happen and what you can do about it:

🚩 Common Reasons a Payment is Flagged as High Risk
1. New or Unverified Account
You're using a brand-new Facebook ad account, business manager, or payment method.

Facebook tends to be cautious with new setups until they build trust.

2. Suspicious Payment Method
Using prepaid cards, virtual cards, or cards from high-risk issuers (especially international or disposable VCCs).

The card doesn't match your account's country or IP location.

3. Mismatch in Details
Name, billing address, or card details don't match what's on your Facebook account or ad profile.

Using a card under someone else's name can trigger a red flag.

4. Multiple Failed Payment Attempts
If you've tried several times with declined or failed payments, Facebook may flag your payment method or ad account.

5. Unusual Activity or IP Address
Accessing your account from a different country or location than usual (e.g., via VPN, proxy).

Facebook thinks someone else may be trying to make unauthorized purchases.

6. Policy Violations or Past Issues
If your account (or a linked one) has previously had policy violations, chargebacks, or disputes, it can raise the risk level.

🛠� What You Can Do About It
✅ 1. Use a Trusted Payment Method
Switch to a well-known, personal credit or debit card from a reputable bank.

Avoid prepaid cards or VCCs (especially if you're getting flagged repeatedly).

✅ 2. Verify Your Business Info
Go to Business Manager > Business Info and make sure all your details are accurate and complete.

If you're running ads for a business, complete Business Verification if prompted.

✅ 3. Check for Account Issues
Go to Account Quality to see if your ad account or Business Manager has any restrictions or violations.

Resolve any open issues if possible.

✅ 4. Avoid Rapid Payment Switching
Don't try multiple cards one after another if the first gets declined — this can look suspicious to Facebook.

✅ 5. Contact Facebook Support
Go to Meta Business Help and request a chat with support.

They can help clarify what's wrong and may be able to manually review your payment or lift restrictions.

🧠 Bonus Tips
If you're testing Facebook Ads, start with low spend to build trust over time.

If using VPNs or proxies, try logging in from your normal location/IP.

Keep your ad account active and consistent — sudden bursts of high spend can also trigger risk alerts.