Many Facebook ad accounts experience automatic payment errors when reaching thresholds.

Today, many advertisers are having issues when they reach their payment threshold, with their payment method being reported as having insufficient funds even though the balance in the payment method is still available. This was an issue last month, but at that time, simply creating a new ad campaign and setting a budget of $3 for that ad was enough to get the ad account back to normal. However, this time the issue is no longer resolved by that method, perhaps Facebook has started reviewing payment methods and realized that this method has been added to many different ad accounts. And this morning when I woke up, I had the same issue, with several ad accounts disabled due to payment errors. I added a new payment method and made it my primary payment method, but I still got the message that the card had insufficient funds. So I replaced another ad account and started using a new payment method that has never been added to any ad account and so far, that account has been spending regularly without any signs of such errors. So I learned another lesson: before adding a payment method, check which ad accounts that card has been added to, see if any ad accounts are disabled. If so, you should use another card that has not been added to any ad account as the default payment method.
If anyone has any other solution that can fix this problem, please share so that everyone can have more experience! Hope everyone can fix this problem so that the ad campaign can operate more stably.

Before adding a payment method to your ad account, check if that card has been used on any disabled accounts—if so, it's better to use a new card that hasn't been linked to any account to avoid payment errors.

Adding a completely fresh card that hadn't been linked anywhere worked best for me, just like you said. I also noticed paying off small balances early instead of waiting for threshold helps reduce the chance of errors

Yes, this issue seems tied to reusing the same payment method across multiple accounts. The safest approach is to use a unique, verified card or PayPal for each ad account methods already linked to restricted accounts are more likely to trigger errors.

Use a new, verified card for each ad account to avoid payment errors. Methods already associated with restricted accounts may cause more errors.

Marchy Wind said:

I’ve also run into the insufficient funds issue at threshold even with valid cards. Do you think paying off balances earlier helps reduce these errors?

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I tried manual payment (pay earlier when reaching the threshold), it can be fixed but it takes a long time to pay, because when the account is new, the payment threshold only starts from $ 2. The characteristic of Facebook is that if you pay manually, the payment threshold will not increase, but you have to keep track of the payment time (when the ad account spends nearly $ 2, you have to click the payment button), each time it will take time for other things, so I chose to replace the new ad account and this payment method has not been used in any other ad account.

Always use a new, clean card that hasn’t been linked to any disabled accounts — and pay off small balances before threshold hits. This fixed it for me.

To avoid billing errors, you should carefully check your card history before adding it to your ad account. If a card previously associated with the account has been disabled, it is likely to cause problems. It is best to use a completely new card that has not been used in any ad account.

mr Lotus said:

Before adding a payment method to your ad account, check if that card has been used on any disabled accounts—if so, it's better to use a new card that hasn't been linked to any account to avoid payment errors.

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Yes, thanks for sharing your experience. I tried this method and it is mentioned above. I found it also fixed the error encountered when paying for advertising and now with this method I find that spending on advertising campaigns is more stable.

This is a common issue that often occurs when you use the same payment method for multiple accounts. The safest way is to use a unique, clearly verified card for each ad account. Payment methods that have been previously associated with restricted accounts are more likely to cause errors.

In many cases, switching to a completely fresh card (one that hasn’t been tied to multiple ad accounts) tends to help.

aprildfwida said:

In many cases, switching to a completely fresh card (one that hasn’t been tied to multiple ad accounts) tends to help.

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Yes, I agree with your opinion, but in addition, I also have to replace it with another advertising account, because when my old advertising account has a payment error, although I have added a new payment method, it still does not continue to work, and it seems that Meta has marked that advertising account as abnormal. Therefore, we should not add 1 payment method to many advertising accounts to avoid being restricted by Meta. And we should also prepare multiple bank cards and advertising accounts as backup plans.

fb tightening card trust. once a card tied to flagged/disabled accs, it’s burned. small budget trick used to reset before, not anymore. only clean cards, never reused, stay safe now. keep pool of fresh payment sources, rotate smart, and don’t cross-link accs if u want stability.

Of course Facebook needs to verify and trust the new payment method.

If your card is linked to multiple accounts and one of those accounts is disabled, it is likely to affect the other accounts.

SKYAGENCY3333 said:

Of course Facebook needs to verify and trust the new payment method.

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You misunderstood me. I mean ad accounts are having problems with automatic payment errors and missing funds in payment methods. The solution is to use a new payment method for the new ad account. Even if you add a new payment method to the old error ad account, it will still show an error and the ad account will still be restricted, even the newly added payment method will be restricted as well.