How do currency conversions work with a VCC on Pinterest Ads?

When using a Virtual Credit Card (VCC) for Pinterest Ads, currency conversions depend on Pinterest's billing system, your VCC provider, and foreign exchange (FX) fees.

Here's how currency conversions work and what you need to know to avoid unnecessary charges.

🔹 Step 1: Pinterest Ads Charges in Your Account's Default Currency
📌 Pinterest automatically charges you in the currency set for your ad account.

If your account is in USD, but your VCC is in EUR, a currency conversion will apply.
Pinterest does NOT allow changing the currency once an account is created.
💡 Pro Tip: If you want to use a different currency, you must create a new Pinterest Ads account with the correct billing country.

🔹 Step 2: VCC Provider Handles the Currency Conversion
If your VCC is in a different currency than Pinterest Ads charges, your VCC provider will convert the amount automatically based on the exchange rate.

🚀 Key Factors Affecting Conversion:
✅ VCC's FX Rate – Most VCCs use the Visa/Mastercard daily exchange rate.
✅ Foreign Transaction Fees – Some VCC providers charge 1%–3% extra for international transactions.
✅ Pinterest's Internal Processing Rate – If paying in a non-default currency, Pinterest may apply its own exchange rate.

💡 Best Solution: Use a multi-currency VCC (like ExoCards https://exocards.com) to avoid unnecessary FX fees.

🔹 Step 3: How to Minimize Currency Conversion Costs?
✔ Use a VCC that Matches Your Pinterest Ads Currency

If your account bills in USD, use a USD VCC to avoid conversion fees.
If you must pay in a different currency, choose a VCC with low FX fees.
✔ Check Pinterest's Advertiser Currencies

Pinterest supports different billing currencies by country.
To see supported currencies: Go to Pinterest Ads Manager > Billing > Payment Settings.
✔ Use a Multi-Currency VCC

Some VCCs (like ExoCards) let you hold multiple currencies and pay in the exact currency Pinterest bills in.
✔ Monitor Exchange Rates Before Making Payments

If your VCC auto-converts, check exchange rates before adding funds to avoid paying at a bad rate.
🔹 Step 4: How to Check Your Currency Conversion Charges?
1️⃣ Go to Pinterest Ads Manager → https://ads.pinterest.com/
2️⃣ Click Settings (⚙) > Billing.
3️⃣ Find the latest transaction details (check if Pinterest charged an FX fee).
4️⃣ Log into your VCC provider's dashboard and compare the charged amount.

🚀 If you notice extra fees, consider switching to a low-FX VCC!

🎯 Final Answer: How Do Currency Conversions Work with a VCC on Pinterest Ads?
✔ Pinterest bills in your account's default currency—it does NOT convert payments.
✔ Your VCC provider handles currency conversion, applying FX rates & possible fees.
✔ Use a VCC in the same currency as your Pinterest Ads account to avoid extra costs.
✔ Multi-currency VCCs (like ExoCards) help reduce conversion fees.