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Changing payment method on Facebook is a necessary action when a card is declined, a payment wallet encounters an error, or you want to switch to a more secure and stable payment method. However, if not done correctly, this change can cause ad interruptions or lead to the account being flagged for risk. In this article, Adsupport will guide you through the standard process for changing payment method on Facebook, while sharing important notes to ensure your payment process always runs smoothly.
Changing payment method on Facebook occurs not only when errors happen, but it is also a proactive step to help your ad account operate more stably and securely. Many advertisers only make changes when “forced to,” while in reality, there are many instances where it should be done to avoid potential risks. Below are the most common cases.
This is the most frequent reason. Facebook may not accept a bank card or PayPal due to failed payments, mismatched information, cards not enabled for international payments, or a payment method being flagged as high risk.
In this case, continuing to use the old method only worsens the account’s reputation; therefore, you should change to another payment method to ensure campaigns are not interrupted.
If Facebook notifies you that a payment method is suspended, restricted, or no longer usable, it is a clear sign that you need to change it immediately. Blocked methods are very difficult to recover, and continued use can affect the entire ad account or Business Manager.
Many advertisers initially use debit cards but later encounter errors or low limits. Switching to a credit card or a verified PayPal account helps stabilize payments, minimizes declined errors, and increases trust with Facebook’s system.
When you scale campaigns, increase budgets, or run multiple ad accounts simultaneously, the old payment method may no longer be suitable due to low limits or tighter risk controls. At this point, changing to a method with a high limit and a good payment history will help you avoid sudden ad stops.
Expired cards, blocked cards, changes in card information, or changes in bank policy are also times you should proactively update or change the payment method. Handling this early avoids payment errors while campaigns are running.
If your account has a history of failed payments, overdue debt, or Facebook warnings, continuing to use the old method may cause the risk to recur. Changing to a new, clean-history method from the start will help the account gradually regain its credibility.
Changing payment method on Facebook is a familiar task for many advertisers when a card encounters an error, PayPal is restricted, or when you want to switch to a more stable form of payment. However, if done incorrectly, this process can cause ads to be interrupted or the account to be flagged for risk by the system. Below is a detailed step-by-step guide updated for 2026 to help you change payment methods safely and correctly.
First, log in to the personal Facebook account or Business Manager managing the ad account. Then, go to Ads Manager and select Payment Settings. This is where all payment methods, transaction history, and outstanding balances are displayed.
Before changing payment method, you need to check if the ad account has an unpaid balance. Facebook usually does not allow changing or removing a payment method while debt still exists. If there is debt, pay the full outstanding amount before proceeding to avoid errors.
In the Payment Methods section, select Add Payment Method and choose a suitable form such as Visa/MasterCard, PayPal, or Facebook Pay (depending on the region). Ensure the new method is in your name, valid, has a sufficient balance, and has international payments enabled to increase the acceptance rate.
After adding it, Facebook may perform a small transaction to verify the payment method. For PayPal or bank cards, simply follow the on-screen instructions to complete verification. This step is critical because if verification fails, the method cannot be used for advertising.
Once the new method is successfully added, you need to set it as the Primary payment method. This allows Facebook to automatically charge ad costs to the new method without affecting running campaigns.
After changing payment method, you should closely monitor ad activity and payment history for the first 1–2 days. If charging errors or unusual notifications occur, handle them immediately to avoid campaign interruption.
Many advertisers worry that changing payment method on Facebook might cause running campaigns to stop, decrease performance, or even result in account restrictions. In reality, changing the payment method may or may not have an effect, depending on how you execute it and the current payment status of the ad account.
If your ad account has no outstanding debt and the new payment method is valid and successfully verified, the change usually does not affect running campaigns. Facebook will automatically use the new method for subsequent billing.
Ad campaigns can be interrupted if, during the change process, Facebook cannot successfully charge the funds. This often happens when the new method is declined, the card has an insufficient balance, or PayPal is not fully verified.
Many people make the mistake of deleting the old payment method immediately after adding a new one, while Facebook is still processing previous charges. If the new method has not been set as the default or successfully verified, the ad account may experience a payment disruption.
Changing payment method on Facebook is a necessary operation in many situations, but it is only truly safe when you follow the correct process and understand the associated risks. Choosing a suitable, stable payment method and limiting frequent changes will help your ad account operate sustainably.
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Frequently Asked Questions
Facebook does not limit the number of changes, but changing too frequently in a short period can cause the account to be flagged as high-risk and lead to payment restrictions.
Yes. If the new method is successfully verified and the account has no outstanding debt, ads will continue running normally without the need to recreate campaigns.
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