Facebook Ads Payment Errors and Limits: A Guide for 2025

Advertisers frequently encounter payment issues in Facebook Ads, such as the dreaded "Payment Method Declined" error or restrictive limits like the BM limit 250. In this detailed 2025 guide, we'll explain why these issues occur, how to safely activate your Facebook ad account, which cards for traffic arbitrage are most reliable, and how to navigate payment restrictions safely to avoid account bans.

"Payment Method Declined" – 5 Key Reasons

Payment Method Declined – 5 Key Reasons

The "payment method declined" error usually happens due to the following reasons:

  • Unsupported card. It's essential to know exactly what arbitrage cards are and choose BINs approved by Meta.
  • Geo mismatch. Your payment card and ad account must belong to the same country.
  • Bank transaction blocks. Banks often flag arbitrage activity as high-risk, rejecting transactions.
  • Exceeded spending limit. Your expenses hit the daily account spending limit.
  • Frequent card changes. Meta flags rapid changes in payment methods or IP addresses as suspicious.

Select only trusted payment methods supporting 3-D Secure, and avoid frequent changes in payment details.

Hold Balance and Spending Limit: Removing Restrictions

Hold Balance and Spending Limit: Removing Restrictions

Facebook Hold Balance is a temporary freeze of your ad budget by Meta for payment verification. To avoid or quickly resolve holds:

  • Confirm your card in advance through SMS or 3-D Secure.
  • Avoid frequent or abrupt budget changes.
  • If you encounter a hold, wait 24 hours, then gradually increase your spending again.

The Facebook Ads Spending Limit sets a maximum spending cap. To increase it:

  • Go to Billing → Payment Settings.
  • Select your desired limit and save changes.

If standard increases aren't enough, consider buying an account with a ready-made higher limit, such as the popular BM 250, bypassing manual warming processes.

How to Quickly Raise Your Daily Spending Limit

How to Quickly Raise Your Daily Spending Limit

New Facebook ad accounts typically have an initial daily limit of $50. To quickly boost it to $250 (BM 250 Facebook), follow these tested steps:

  1. Begin with small daily expenditures ($10–$20).
  2. Gradually increase your budget by 20–30% daily.
  3. Use only verified payment methods suitable for Facebook.

If time is critical, you might opt to buy a Facebook BM account that already includes a high spending limit, significantly shortening the wait period.

Safely Changing Cards Without Bans and Repeat First Billing

Safely Changing Cards Without Bans and Repeat First Billing

Changing payment methods is among Facebook Ads’ riskiest procedures. To replace cards without triggering account bans, adhere to these guidelines:

  • Always connect a new card matching the geo-location and currency of the old one.
  • Do not remove the old card immediately; wait at least 72 hours after attaching the new card.
  • Launch your campaigns gradually, with small budgets after the change.
  • Choose verified services to buy arbitrage cards and minimize declined payment risks.

Adhering to these methods ensures a safe Facebook Ads card replacement, avoiding repeated first billing checks and account suspensions.

Conclusion: Following these detailed steps allows you to launch and scale ad campaigns reliably, avoiding common payment issues. Remember, sometimes purchasing an account with a pre-set $250 limit can be simpler and faster than incrementally increasing limits and navigating payment hurdles manually.