Why does Twitter Ads require additional verification when using a VCC?

Twitter Ads (now X Ads) often requires additional verification when using a Virtual Credit Card (VCC) because VCCs are frequently associated with fraud prevention tools and temporary or anonymous usage, which raises red flags in their payment systems. Here's a breakdown of why:

🔒 1. Fraud Prevention
VCCs can be easily generated, used once, and discarded.

This makes them a common tool for abuse (e.g. testing stolen card numbers, creating multiple ad accounts, or avoiding bans).

Twitter wants to ensure that advertisers are legitimate and traceable.

📌 2. Verification of Identity & Intent
VCCs sometimes don't carry full billing info (like address or name), or that info doesn't match the user's account details.

This mismatch can trigger manual review or additional verification steps (ID check, billing documents, etc.).

🧾 3. Policy Compliance
Twitter Ads requires payment methods that support recurring billing and pre-authorization holds, which not all VCCs support.

If the card fails a pre-authorization check, the system flags it.

✅ How to Avoid Issues
Use a physical credit/debit card issued in your name.

Make sure your billing address matches what's on your Twitter Ads account.

Avoid using cards from high-risk countries or new fintech banks if possible.