Can I switch my refund method from a VCC to a bank account?

Unfortunately, you cannot switch your refund method from a Virtual Credit Card (VCC) to a bank account on Pinterest Ads (or most ad platforms) after the transaction has already occurred. Refunds are automatically processed back to the original payment method used for the charge — this is standard policy for compliance and fraud prevention.

🚫 Why You Can't Switch Refund Destinations
Reason   Explanation
🔒 Security   Pinterest (and its payment processors) must return funds to the original source to avoid fraud or money laundering.
📜 Policy-based   Refund routing is dictated by financial regulations — they're not allowed to move funds to a new account unless the original one fails.
🧾 Auditing & traceability   Refunds must match the charge on record for accurate internal accounting and chargeback protection.
✅ What You Can Do Instead
1. Check If the VCC Is Still Active
If the VCC is still open, even temporarily, Pinterest will refund it as normal.

You should see the refund within 5–10 business days.

2. Contact Your VCC Provider
If the card was:

Closed

Expired

Prepaid and non-reloadable

👉 Your VCC provider may still process the refund and:

Credit it to your account balance

Transfer it to a linked bank account

Issue a physical check or alternate refund path (rare)

📞 Contact their support with:

Refund amount

Transaction date

Proof of refund from Pinterest

3. Let Pinterest Know if the VCC Is Unavailable
Go to: Pinterest Ads Support

Choose: Advertiser → Billing → Refund issue

Let them know:

"The original VCC used for this transaction is no longer accessible. Can you confirm whether the refund has been issued and if an alternate method can be arranged?"

⚠️ While Pinterest likely won't change the method, it's worth confirming if the refund failed.

💡 Pro Tip:
Next time, use a replenishable or account-linked VCC (like from Wise, Revolut, or Privacy.com) so that even if the card changes, the refund is routed safely into a funding source you control.

✅ Summary:
Refunds on Pinterest Ads will always go back to the original VCC, and can't be rerouted to a bank account. Your best option is to ensure your VCC is still active, or work with your provider to retrieve the funds.