Anyone else seeing more bans tied to payment methods lately?

Not sure if it’s just me, but something feels off lately. Running ads across Meta + TikTok (a bit of Google too), and accounts that should be fine just don’t last.
Not talking about obvious stuff like bad creatives or sloppy setups.

What I’m seeing is that accounts dying in like 24–72h even on aged profiles and clean setups (proxies, profiles, BM structure) still not holding. We burned a few accounts testing this, and honestly it doesn’t feel random.

Tried mixing:

• different cards (some more “ad-friendly” than others)
• BINs / regions

Still inconsistent… but yeah, definitely patterns there. Kinda feels like payment side is playing a bigger role now, especially once you try to scale.

My guess rn: ad platforms are looking more at payment behavior + card history, not just account setup

Curious if anyone else is running into this? or is this just another crackdown cycle and I’m overthinking it

I'm experiencing the exact same issue with TikTok Ads. Clean setup, 4G proxies, and yet the account still crashes on the first attempt to scale. It's frustrating because it seems to be a pattern directly related to BINs that previously worked flawlessly. The filtering on the payment side has definitely become much more aggressive this month