When paying for ads on Instagram, you might encounter some issues. The most common problems are declines, transaction errors, and delays in crediting funds. These slow down campaign launches and reduce their effectiveness. However, by understanding the causes of these issues, you can avoid them. In this article, we’ll explore why Instagram payments fail and which virtual cards can help you prevent that.

To avoid declines, just follow a few simple rules: use cards with suitable BINs, maintain the card balance, and set up your ad account correctly. A well-chosen virtual card will help you run Instagram ads without glitches or delays. Below is a list of the top 5 reliable virtual cards for paying Instagram.

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   PSTNET

PSTNET is a financial service. PSTNET issues Visa/Mastercard virtual cards for media buying and offers a universal card, Ultima, suitable for any online payments. All cards are issued by banks in Europe and the U.S. Users can choose between debit and credit cards. For Instagram, there are special cards with the most suitable BINs for the platform. These cards are also perfect for payments in dollars. PSTNET does not charge fees for transactions, withdrawals, or operations on blocked or frozen cards.

Let’s look at the benefits of the vcc for Instagram ads from PSTNET. These cards have earned the highest ratings from real users because they make managing expenses incredibly easy.

For media buyers, the service offers a special program called PST Private. Its users can issue up to 100 cards per month for free and enjoy special, favorable conditions. You can get 3% cashback on ad spend and top up cards with a 3% fee. No need to confirm advertising expenses to join the program.

Features:

• 25+ BINs from Europe and the U.S.: this minimizes the chance of hitting a risk payment
• Online BIN checker: quick access to detailed card information
• Crypto card top-up: 18 crypto coins are supported, including BTC, USDT TRC 20, ERC 20, and more.
• Standard top-up methods: bank transfers via SWIFT/SEPA, other Visa/Mastercard cards
• Team Collaboration Tools: assign tasks, set team member roles, and set card limits
• Expense analytics: users get reports on financial operations
• 3D Secure Technology: ensures payment security
• Two-factor authentication: guarantees the security of user data
• Telegram bot: receive 3D Secure codes and service update notifications
• One-step platform registration: use Apple ID, Google accounts, Telegram, WhatsApp, or email to sign up
• 24/7 customer support: support specialists respond instantly via Telegram, WhatsApp, or live chat

1. Lamanche Payments

Lamanche Payments is a service for managing virtual cards. The service’s cards are tailored to the needs of media buyers. You can use these cards to pay for ads on Meta platforms. All the service’s cards are debit and work with Visa, Mastercard, and UnionPay.

The service does not charge for card issuance or maintenance. There may be fees for top-ups, but the exact amounts depend on the card’s BIN.

Features:

• 8 BINs: U.S. banks ensure minimal declines
• Crypto top-up via JackWallet: popular cryptocurrencies are supported
• Team features: add users and manage roles within the account
• Transaction reports: available in the form of a bank account report
• Security technologies: 3D Secure and bank-level security
• Card issuance and registration: register and issue cards via a personal account, with assistance from a manager
• Customer support: you can reach your personal manager via Telegram

1. LinkPay

LinkPay is a service for issuing virtual cards to pay for advertising. For Instagram ads, they offer the Multi Ads card. All of their cards are credit cards and are supported by Visa and Mastercard.

LinkPay provides a 0% commission for card top-ups, withdrawals, and declined payments.

All cards can be purchased via subscription to the service. This payment model offers favorable conditions for using the cards. For example, the Plus plan includes access to 100 free virtual cards with better rates and increased cashback.

Features:

• 5 BINs: from banks in the CIS and European countries
• Crypto card top-up: 7 popular cryptocurrencies, including USDT (TRC20)
• Standard top-up methods: bank transfers, and transfers from other cards
• Minimum withdrawal amount: $10
• 3D Secure Technology: ensures payment security
• Registration on the platform: fill out a form on the website; no KYC is required
• Team Collaboration Tools: assign tasks, set roles for team members, and set card limits
• Expense analytics: users can access reports on financial transactions in their personal account
• 24/7 customer support: available via chat on the website and Telegram

1. Flexcards

Flexcards is a financial platform for issuing and managing virtual Visa/Mastercard cards for media buying. The service’s cards receive high user ratings.

The service has favorable fees: 0% for card maintenance and transactions, and top-up fees starting at 3.5%.

Features:

• 3 BINs: from banks in Europe and the USA, with BINs updated every 3-4 months
• Crypto top-ups: USDT TRC20
• Standard card top-up: bank transfers, the Capitalist platform, and transfers from partner services
• Team Collaboration Tools: task delegation, role assignment for team members, and setting card limits
• Expense analytics: users can receive reports on card transactions
• Registration: to activate a personal account, you need to fill out a form and submit it to the service manager
• Customer support availability: from 10:00 to 22:00 (GMT +3)

1. Abcard

Abcard.io (or AnyBill) is a financial service for virtual cards to pay for advertising, with some cards suitable for Instagram Ads. The service’s cards are debit cards and work with Visa/Mastercard/UnionPay payment systems.

The service offers zero transaction fees and a 4.5% top-up fee. However, there is also a 7% fee for declined payments.

Features:

• 5 BINs: geolocated in the UK, USA, and Europe
• Cryptocurrency support: USDT (TRC20, ERC20)
• Team collaboration: task delegation and role assignment
• 3D Secure Technology: ensures payment security
• Expense analytics: detailed transaction reports are available in the user’s personal account
• Registration: standard registration form and account verification via Telegram bot
• 24/7 customer support: available via website chat or email

3 Tips: How to Avoid Declines When Paying for Instagram Ads

• Choose cards with verified BINs:

The first six digits of the card number (BIN) indicate the bank and country of issuance. Cards with BINs from the US, UK, and EU countries are less likely to be declined on Meta platforms.

• Check card limits and terms of use:

Some cards have transaction limits. If your campaign exceeds these limits, the payment may be declined. Be sure to check the card’s terms and keep track of your available balance.

3. Stay updated on Meta’s policy changes:

Meta regularly updates its requirements for payment systems. Check for news and updates on Instagram and Facebook’s official resources every few months, especially before launching new ad campaigns.

The main reasons for declines on Instagram are BINs from unverified banks or countries with high fraud rates, exceeding transaction limits, or a lack of knowledge about Meta’s placement policies.

All the cards in our review are suitable for paying for Instagram ads. They ensure minimal declines and account blocks. Cards from services like PSTNET, Lamanche Payments, LinkPay, Flexcards, and Abcard each have their advantages and are highly rated by media buying professionals.

When choosing a card for Instagram Ads, consider your specific needs and business capabilities. The key is to select trustworthy BINs and double-check card limits before use.