Why was my VCC declined on Pinterest Ads?

If your Virtual Credit Card (VCC) was declined on Pinterest Ads, there could be several reasons why this happened. Let's go over the most common reasons why VCCs might get declined on Pinterest Ads and how to resolve each issue.

1. Billing Information Mismatch
Pinterest Ads may decline your VCC if the billing information you provided doesn't match what's on file with your VCC provider. Even a small discrepancy like a misspelled name, incorrect address, or mismatched ZIP code can cause the payment to fail.

Solution:

Check and update your billing information on Pinterest Ads to ensure it exactly matches the information linked to your VCC.

Double-check the name, address, and ZIP code associated with your VCC.

2. Insufficient Funds
If your VCC has insufficient funds or doesn't have enough available balance to cover your Pinterest Ads campaign charges, it will be declined.

Solution:

Verify your VCC balance and ensure you have enough funds to cover the charges for your ads.

If the balance is low, add funds to your VCC or try a different payment method with sufficient funds.

3. Expired VCC
An expired VCC will not be accepted for payments. If the expiration date on your VCC has passed, Pinterest Ads will decline the payment.

Solution:

Check the expiration date on your VCC.

If your VCC is expired, update your payment method with a new or valid card.

4. VCC Restrictions
Some VCC providers place restrictions on the use of cards for certain types of transactions. For example, some VCCs might not be authorized for online payments, recurring payments, or international transactions.

Solution:

Confirm with your VCC provider that the card supports online transactions, international payments, and recurring payments.

If it doesn't support these types of transactions, you may need to use a different card that allows these types of payments.

5. Fraud Prevention or Security Flags
Pinterest Ads may flag your VCC for fraudulent activity if there's a sudden spike in your ad spend, if you're using a new VCC, or if there's something unusual about your account's activity. This could trigger Pinterest's fraud detection systems to decline the payment.

Solution:

Review your account activity and check if there's anything unusual that might have triggered fraud prevention measures.

If your account was flagged, contact Pinterest Ads support to resolve any security or fraud-related issues.

6. Transaction Authorization Delays
When you add a new payment method to Pinterest Ads, Pinterest might place a small authorization hold on your card to verify its validity. If your VCC doesn't respond to this authorization request in time, the payment will be declined.

Solution:

Wait 24-48 hours for the authorization hold to clear.

If it's still pending, contact Pinterest Ads support or your VCC provider to inquire about the authorization hold status.

7. VCC Not Set Up for Recurring Payments
If your Pinterest Ads account is set up for recurring payments (e.g., monthly billing for ongoing campaigns), some VCCs, particularly prepaid cards, may not be able to handle recurring charges.

Solution:

Confirm with your VCC provider that the card supports recurring billing.

If your VCC is not suitable for recurring payments, switch to a different payment method (e.g., a regular credit card or a VCC that supports recurring payments).

8. Pinterest Ads Account Issues
If your Pinterest Ads account is facing an issue such as suspension, policy violation, or unpaid balance, your VCC may be declined as part of the account restrictions.

Solution:

Check for notifications from Pinterest Ads regarding account issues or violations.

If necessary, contact Pinterest Ads support to resolve any issues with your account that may be affecting payments.

9. Temporary Technical Issues
Occasionally, Pinterest Ads may experience technical issues or server downtime that could prevent payments from being processed, even if your VCC details are correct.

Solution:

Wait a while and try again later.

You can also check the Pinterest Ads status page or contact Pinterest Ads support to see if there are any ongoing technical issues.

How to Resolve VCC Decline Issues on Pinterest Ads:
Verify billing information: Ensure the name, address, and ZIP code on your VCC match the info in your Pinterest Ads account.

Check for sufficient funds: Make sure there is enough balance on your VCC to cover the payment.

Check expiration date: Ensure your VCC is not expired.

Contact your VCC provider: Confirm that your VCC allows online and recurring payments and is not restricted.

Review account activity: Make sure there's no suspicious activity that triggered Pinterest's fraud prevention system.

Wait for authorization holds: If a hold is placed on your VCC, give it time to clear.

Contact Pinterest Ads support: If the issue persists, reach out to Pinterest Ads support for assistance.

By following these steps, you can usually identify why your VCC was declined on Pinterest Ads and take the necessary actions to resolve the issue. If the problem continues, contacting Pinterest Ads support is your best option to get more specific help related to your account or payment method.

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