Understanding Why Your Facebook Ads Payments Are Rejected and How to Solve The Issue

Written by
Ekky Pramana
Last Modified on
March 7, 2024

Online advertising has become an important pillar of modern marketing strategies to drive business growth. With over half of the world's population connected online, digital marketing enables companies to capture global consumer attention, reach target markets with higher precision, and measure campaign impact with an accuracy that conventional marketing cannot achieve.

When consumer behavior and marketing trends shift so quickly, investing in online advertising is not only relevant, but also a key to success in expanding reach, establishing a robust brand, and fostering sustainable company growth. However, on the path to achieving digital marketing success, businesses might face various challenges. Payment rejection is one obstacle that can disrupt the digital marketing momentum. Online payment rejections stem from various reasons, such as errors in credit card information input, spending limits, or even security issues. Such constraints not only hinder progress, but also waste valuable time that could be used to sharpen marketing strategies and content.

In this article, we will delve deep into this issue and provide practical guidance to overcome online payment rejections on the Facebook Ads platform.

Common reasons your Facebook Ads gets rejected

It’s essential to understand the various factors that contribute to failed ad payment attempts. From technical glitches to insufficient funds, a good understanding of these factors will equip you with the knowledge to ensure the seamless execution of each Facebook Ads campaign, driving them towards successful fruition.

Rejection by banks or payment service providers

One main cause of payment rejection for Facebook Ads is the complex interaction between the ad platform and banks or payment service providers. Occasionally, when the payment information you provide doesn't align with the required criteria or raises suspicion due to data disparities, banks or payment service providers might decline the transaction as a preventive measure against potential fraud or identity theft. This can occur if you fail to input accurate information or if the billing address used doesn't match the details on record with your bank or payment provider.

For example, certain local digital banks have been known to reject Facebook Ads payments. This occurs because some banks institute restrictions on cross-border transactions and limit transactions in various services which are deemed to not meet their security standards, as a measure to prevent potential fraud.

In such scenarios, advertisers should have a good understanding of the policies and requirements of each bank or payment service provider to mitigate unnecessary payment rejections. Opting for a reputable payment card option such as Aspire, which is linked to the MasterCard network, can also help ensure that your Facebook Ads payments won't be declined. Direct communication with your bank or payment provider to ensure they recognize the transactions you initiate can aid in averting unwarranted rejections.

Errors in entering credit card or bank account information

Small mistakes such as inputting incorrect card numbers, expiration dates, or CVV codes can lead to unwanted payment rejections. Similarly, the same applies to bank account details, where incorrect account numbers or mismatched account owner names can impact the payment process.

To minimize the risk of such errors, double-check every piece of information before finalizing transactions, and communicate with your bank or payment provider if you suspect any inaccuracies.

Credit card limit restrictions

One factor that can lead to payment rejection for Facebook Ads is the limit set on your credit card. Certain banks or credit card providers set daily, weekly, or monthly limits for card transactions, especially for expenses made abroad or within specific categories like online payments. When transactions reach or exceed these limits, subsequent transactions may be automatically declined. This security measure is implemented by many banks to safeguard cardholders from potential fraudulent activities or unauthorized spending.

If you encounter payment rejection because you have exceeded your expenditure limit, you can discuss with your bank or card provider about temporarily increasing the limit or exploring alternative solutions.

Security concerns and suspicious activity

Sophisticated monitoring systems are employed by banks and credit card providers to detect unusual or suspicious transaction patterns. If your transaction activity suddenly surges or occurs in an unfamiliar geographical region, these security systems might interpret it as a potential risk and reject the transaction.

While this step is taken to protect cardholders from fraud, it can be inconvenient when legitimate transactions are declined. If you encounter such a situation, it's advisable to quickly contact your bank or card provider to notify them of your intended transaction activity, especially if you plan to make payments that are larger than usual.

Steps to resolve Facebook Ads payment rejections

While rejected payments can be frustrating, a complete understanding of the steps to take can help prevent unwelcome disruptions in your marketing journey. In this section, we will delve into practical and effective steps to address Facebook Ads payment rejections, providing you with the guidance to tackle the issue and continue your marketing efforts.

Verify payment information

The crucial first step in overcoming Facebook Ads payment rejections is to verify and ensure the accuracy of the credit card or bank account information you provide. Carefully review card numbers, expiration dates, security codes, and other details such as billing addresses. Even minor errors in information input can easily result in transaction rejection, despite the legitimacy of the transaction.

Contact payment service providers

If Facebook Ads payment rejections persist after confirming the accuracy of your payment information, the next step is to directly contact your payment service provider. In some cases, rejections may occur due to limitations or technical issues associated with the payment platform you're using. By reaching out to the provider's customer service, you can gain further insight into the reasons for the rejections and obtain appropriate solutions. Typically, customer service will offer guidance, verify your account information, and assist you through the necessary steps to overcome the hurdles.

Evaluate credit card spending limit

You might discover that payment rejections for Facebook Ads stem from your credit card's spending limit. Talk with your bank representatives or credit card provider to provide a clearer understanding of the imposed limitations and the reasons your transactions might be declined. In certain cases, banks might be willing to temporarily increase spending limits or suggest alternative solutions that align with your needs. If these limitations pose challenges to your marketing campaign execution, consider adjusting or reevaluating the limits to better accommodate your online transaction requirements.

Check account security and activity

From the perspective of banks or payment providers, suspicious or unusual account activities could be the basis for transaction rejection as a preventive measure. Therefore, it's essential to safeguard your account with a strong, unique password and activate additional security measures like two-factor authentication, if available. Regularly inspect transaction activities and ads within your account to identify potential issues or suspicious activities. If you encounter any unfamiliar or suspicious activities, promptly contact your bank or payment provider and report the concerns.

Alternative payment methods for Facebook Ads to avoid rejection

When facing payment rejections for your Facebook Ads, consider alternative payment methods as your current provider might have some issues that cannot be resolved, wasting your precious time. By understanding the available alternative options, you can sidestep the risk of repeated rejections and stay focused on your marketing objectives.

Using different payment methods

To avoid payment rejection on Facebook Ads, one alternative is utilizing a different payment method. Apart from credit cards, many online payment platforms also support options such as debit cards, PayPal, or even digital payment methods like e-wallets.

Before choosing an alternative method, ensure that the Facebook Ads platform supports the chosen payment method, and that it aligns with your preferences and needs. By capitalizing on the various payment options available, you can ensure flexibility in executing your marketing campaigns without being hindered by payment issues.

Using prepaid or virtual debit cards

Prepaid or virtual debit cards offer a payment method that can be topped up before use, granting you full control over the amount spent in your marketing campaigns. The main advantage of this option is that you don't need to link the prepaid or virtual card to your primary bank account, thereby reducing potential security risks. By allocating specific funds for your Facebook Ads, you can circumvent issues related to expenditure limits or potential shortages that might arise with regular credit cards.

Aspire’s virtual debit card: an alternative payment method for Facebook Ads

One secure alternative payment method that can be considered to avoid payment rejection on Facebook Ads is the Aspire virtual debit card. The Aspire virtual debit card offers a practical solution for advertisers seeking to manage ad payments more securely.

By using Aspire’s virtual debit card, you can directly link it to your Aspire account, segregating funds specifically allocated for Facebook Ads. The Aspire virtual debit card also provides flexibility, enabling you to set transaction limits according to your campaign needs. Being detached from your primary bank account, you can prevent the risk of transaction rejections or potential expenditure constraints.

The Aspire virtual debit card also provides an additional layer of security. For those delegating ad transaction and payment responsibilities to employees, you can manage spending, monitor and control transaction limits in real-time through the Aspire app, thereby minimizing any potential misuse of funds by employees.

In addition, you can also enjoy the benefit of unlimited cashback for transactions at a selection of top global merchants with the Aspire virtual debit card. Among these are Facebook Ads, Google Ads, AWS, Slack, Figma, Google, and more. This means that you can save even more money while running your digital ad campaigns.

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About the author
Ekky Pramana
is a seasoned writer specialising in business finance and management. With a writing history at Tech in Asia, Teknoverso, and various other publishers, he leverages his market expertise to empower and educate first-time founders in managing their businesses better.
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