How do I prevent my VCC from being flagged as high-risk by Pinterest Ads?

Great question — avoiding the "high-risk" label on your VCC when using it for Pinterest Ads is super important if you want to keep your campaigns running smoothly. Here's how to prevent your virtual card from being flagged or declined:

✅ 1. Use a Trusted VCC Provider
Stick to well-known, regulated VCC providers that offer cards issued by Visa or Mastercard, and support:

AVS (Address Verification System)

Recurring billing

Online transactions

👍 Pinterest-friendly VCC providers:
Revolut Business or Pro

Wise

Privacy.com (for U.S. users)

Payoneer

Capital One Eno

Avoid:

Burner/disposable cards

Anonymous, non-KYC crypto cards

Sketchy no-name apps with poor reviews

✅ 2. Match Your Billing Info Exactly
Pinterest checks your card details with the issuing bank using AVS. To avoid red flags:

Use the exact same billing address on your VCC and Pinterest Ads account

Include your full legal name (or business name) on the VCC if possible

Don't use nicknames, fake addresses, or mismatched country info

✅ 3. Enable Recurring & International Transactions
Pinterest bills automatically and often internationally. If your VCC blocks:

Recurring transactions

Foreign charges

Auto-billing

...then your card may be rejected or flagged. Check with your VCC provider and enable these features in your card settings if available.

✅ 4. Fund the Card Sufficiently
Low or zero balance can cause declines that look like fraud. Best practice:

Pre-load your VCC with more than your campaign budget

Set a spending limit in the card dashboard if you want to cap it safely

Keep a buffer to cover unexpected charges or Pinterest billing thresholds

✅ 5. Avoid Creating Multiple Cards Too Quickly
Rapid creation of many VCCs and frequent swapping of cards is a red flag for fraud detection systems. Stick to:

1 dedicated card per ad account

Change your payment method only when necessary

✅ 6. Verify Your Pinterest Business Account
A verified, trustworthy account is less likely to trigger fraud filters.

To build trust:

Add a business logo, website, and profile info

Verify your domain in Pinterest Business settings

Maintain a clean ads history (no policy violations or failed payments)

✅ 7. Run a Test Campaign First
Before scaling up:

Start with a low-budget campaign ($5–$10)

Let it bill successfully once or twice

This builds trust in the card before larger charges go through

🧠 Bonus Tip:
Some VCC providers like Privacy.com or Revolut let you lock a card to one merchant. If Pinterest is supported, this ensures clean transaction history and minimizes the risk of being flagged.

🚫 If You're Still Getting Flagged:
Contact Pinterest Ads Support and ask if your card or account has been flagged

Switch to a traditional credit card (at least temporarily) to stabilize your account

Avoid mixing cards from different countries or currencies