Facebook builds a record of successful payments, and this history directly affects access to higher spending limits and how quickly budgets are processed. With a consistent payment signal, transactions go through automatically, allowing budgets to grow smoothly without desynchronisation or pauses.
When the payment method fully meets Facebook’s parameters, advertisers don’t waste time analyzing declined payments. This gives control: you can scale campaigns, distribute spending across ad accounts, and reduce the risk of unnecessary bans.
Our review includes platforms that work best for funding ad accounts. The most effective approach is to open several solutions at once and split expenses between them. This increases stability and allows you to scale ads whenever needed.
1. Spend.net
Spend.net is an excellent choice for those managing ads and needing quick budget control. The cards work flawlessly across almost all ad platforms. If you want to boost your ROI, a VCC for Facebook ads from Spend.net is a great option.
Getting started is simple — log in with Google, complete a quick verification, and start issuing cards immediately. The cards are free, regardless of their technical configuration, and each comes with a 2% cashback on advertising spend.
Payment errors are extremely rare since multiple card types are available — you always have a backup. There are around 20 BINs, six of which are unique to the service. This ensures a clean transaction history and minimal risk. In terms of cost, all commissions are zero except for the deposit fee but you can set its amount yourself by following the on-screen instructions.
Spend.net is best used in setups where control, ROI tracking, or high spend volumes are important.
The platform allows you to:
- create unlimited cards for different ad campaigns
- manage several accounts simultaneously
- grant team members access with custom roles and permissions
- track spending in real time to see which ad setup consumes the budget
- receive cashback on ad spend: the higher the turnover, the greater the reward
2. PSTNET
PSTNET is often chosen by large media buying teams. It offers a wide selection of card options for different advertising channels you can mix and match to find the best configuration for any scenario.
PSTNET provides high stability. The service is connected with major European and US banks, which Facebook trusts. Declined payments are minimal, and all cards come with no spending limits.
The onboarding process is fast: you can sign in via Google, Apple ID, and other popular channels. KYC requires only a passport and takes very little time. The first deposit is commission-free — ideal for testing, as it doesn’t add extra costs.
It’s perfect for large teams with big budgets, as you can join PST Private and receive 3% cashback on expenses. Membership also includes additional perks and free card issuance, though participation is paid.
The platform allows you to:
- issue separate cards specifically for Facebook Ads, preconfigured to pass Meta’s checks
- create bulk cards for each account, creative, or campaign
- use built-in analytics for financial control, with downloadable reports
- set limits for each card and access professional management tools
- operate with international ad accounts
- fund accounts via crypto, bank cards, or transfers
3. EPN
EPN is valued for its speed. Cards are issued within minutes, allowing you to launch campaigns right away without losing time during high-traffic periods. They’re accepted across most major ad platforms and perform reliably, especially in international traffic setups.
The setup process is simple: sign in with email or Google, with no complex verification steps. Top-up fees start from 2.5%, and there are small charges for declined transactions, though with proper setup, they’re barely noticeable. EPN also includes built-in reporting tools and other useful features.
This payment solution is best suited for testing new offers or checking campaign setups. However, it’s recommended to use the cards for payments only, not for linking directly to ad accounts, as the binding process isn’t always successful.
The platform allows you to:
- quickly replace a card if Facebook flags it
- issue new cards within minutes without complex checks
- use a team management system to delegate tasks
- access reports showing spend per traffic source
4. Mybrocard
Mybrocard is popular among advertisers scaling into the US and European markets. Banks in these regions are more trusted by ad platforms, leading to higher payment approval rates and fewer blocks — crucial for international Meta accounts.
The onboarding process takes time. Registration requires submitting documents, completing a form, and answering questions from the payment provider’s representative.
The first 50 cards can be issued for free, which is great for scaling across multiple ad accounts. The top-up commission is around 4.5%. It’s important to maintain healthy ad account performance — frequent declined payments may result in card limits or even account suspension.
If you’re expanding into foreign markets and need more of a partner than just a payment provider, Mybrocard is a good choice. A dedicated account manager can help with reporting and selecting the best cards for your setup.
The platform allows you to:
- work stably with international ad accounts
- use the right card geography to avoid Facebook suspicion
- choose from a wide range of risk-appropriate options
- create 50 free cards at the start
- collaborate with a team using roles and task assignments
5. CardsPro
CardsPro, a Capitalist product, is best for those already working with the platform. It offers dedicated cards for advertising, allowing users to manually select the most suitable one for a specific ad platform — or even a specific Facebook account. This gives flexibility and helps bypass verification algorithms.
The onboarding process requires attention: you’ll need to fill in forms, complete a short interview with a manager, and verify your identity. Once that’s done, the service is transparent — fees only apply to top-ups and failed payments, with no hidden charges on successful transactions. This makes it cost-effective for those with high, consistent ad spend.
CardsPro is ideal for experienced media buyers who understand how to choose cards for high-risk verticals and use Capitalist as their main financial hub.
The platform allows you to:
- issue dedicated cards for specific ad platforms
- manually select cards for Facebook or even individual accounts (advantage: flexibility; drawback: requires experience)
- manage team collaboration efficiently
- access detailed reports to monitor ad spending
Conclusion
There is no single universal solution. Each team selects tools based on its channels and scale. If you’re testing a new GEO or niche, the key factors are launch speed and a low decline rate, choose services that work closely with European and US banks, as they’re more trusted by ad platforms.
For high spending volumes, cashback and unlimited spending are essential such services lower operational costs and enable safe scaling. Smaller teams will benefit from providers with simple onboarding and low entry thresholds — less bureaucracy, faster testing, and reduced risks.
If you often face blocks or appeals, choose a provider with responsive support and quick reissuance options. Always maintain two or three payment sources, this minimizes dependency on any one system and ensures that ad traffic doesn’t stop due to technical issues or changes in ad platform policies.
