Does Pinterest Ads allow multiple VCCs under a single business account?

Yes, Pinterest Ads does allow you to add multiple Virtual Credit Cards (VCCs) under a single business account — but there are important limitations and best practices to keep in mind to avoid triggering fraud detection or payment issues.

✅ When Multiple VCCs Are Allowed
Pinterest lets you:

Add more than one payment method to your ad account.

Switch between VCCs for different campaigns or billing cycles.

Replace a failing or expired card with a new VCC.

This is useful if:

You want to separate budgets across teams or campaigns.

You're using replenishable VCCs with limits.

You're rotating cards to manage spending more granularly.

⚠️ Things to Watch Out For
Adding multiple VCCs is allowed — but only if done responsibly. Here's what you should avoid:

🚫 1. Rapid VCC Switching
Changing cards too often in a short timeframe can trigger Pinterest's fraud prevention system.

Let each VCC settle (and pass Pinterest's test charge) before making another change.

🚫 2. Reusing VCCs Across Accounts
Even within a single business account, using previously flagged or shared cards can result in the entire account being suspended.

🚫 3. Mismatched Billing Info
Each VCC should have its own accurate billing address and match the country/region of your ad account.

Pinterest checks for AVS (Address Verification System) consistency.

🚫 4. Mixing Personal and Business Cards
Avoid using a mix of personal VCCs and business VCCs unless the billing address, name, and cardholder match your business profile.

✅ Best Practices for Using Multiple VCCs in Pinterest Ads
Tip   Why It Helps
Use VCCs from trusted providers (Wise, Revolut, etc.)   Reduces chance of rejection or blacklisting
Assign one VCC per campaign or ad group, if needed   Helps with budget tracking and transparency
Keep a primary VCC active at all times   Prevents campaign pausing if backup cards fail
Make sure each VCC passes the Pinterest test charge   Confirms the card is valid for future billing
Label each card clearly in your records   Helps with accounting and dispute resolution
🔧 How to Add Multiple VCCs:
Go to your Pinterest Ads Manager

Click the three-dot menu > Billing

In the Payment Methods section, click Add Payment Method

Enter the new VCC info and billing address

You can now choose this VCC as your default or assign it to a specific campaign

🧠 Pro Tip:
If you're managing multiple clients or brands, you can apply for access to Pinterest Business Manager, which allows you to:

Create separate ad accounts

Assign different payment methods

Share team permissions securely

💬 Final Thought:
Yes — Pinterest Ads supports multiple VCCs under one business account, as long as you're using clean billing practices, valid cards, and not triggering fraud flags by abusing the system.