Skip to content
Home » Facebook ads card declined issue: Here’s why and how to fix it

Facebook ads card declined issue: Here’s why and how to fix it

facebook ads card declined

Hello marketer, I know you might be in a very tight situation right now. You are trying to make payment for your Facebook ads but you are faced with a big “card declined” or “facebook ads payment declined” notice.

This was the same predicament I faced from last year’s October to this year’s January. Trust me, it was so frustrating and very annoying.

You know that something like this can slow down sales for your products or affiliate business

image of my facebook account with "ads arent running" notice
At this point my ads where not running

How did I pay for my Facebook ads despite getting the card declined error message??

How to solve the Facebook ads card declined issue

The first thing I did was go to the help section of Facebook. I wanted to know why facebook declined my card. There, I was asked to contact my bank about the issue. It seemed my bank was the reason for this problem.

And that’s exactly what I did. I was previously paying for my Facebook ads using zenith bank so, I immediately went to their website and chatted with their customer support.

Here’s a screenshot of our discussion.

I contacted zenith bank rep about the card declined issue
My chat with zenith bank support about the card declined issue

The zenith bank support agent brought to my attention that naira cards could no longer be used to pay for international transactions.

Okay, no problem, I replied.

I  knew exactly what I needed to do. All I needed to do was to get a US card for my transactions. But the question was, where can I get a US card in Nigeria?

I searched all over. I knew I could get one from zenith bank or any bank but that would take time. And I like to do my things as fast as possible.

I needed to use a virtual card because with one, I could pay faster and it wouldn’t take up to 2 hours before my Facebook ads account was up and running again. This left me with another question – how do I get a virtual card for facebook ads?

How to get a virtual USD card to pay for your Facebook ads in Nigeria

With a quick search on google, I discovered chipper cash.

Immediately, I created my account and got verified by uploading my documents.

After verification, I clicked on the card section of chipper cash and I was presented with two beautiful virtual cards. One was an NGN card and the other was a USD card.

BTW they are both free of charge.

Immediately after I got these two cards, I sent N1,630 from my palmpay to chipper cash as you can see in the image below.

I created a chipper cash account
My chipper cash account

Next, I needed to fund my card (USD card)

It’s so easy to do this on chipper cash

All you need to do is to click on the card section and then click on the ADD FUNDS button.

how to add funds to chipper cash virtual card
Go to the card section and click on add funds

Next, select the amount you would like to transfer from your chipper cash balance to your USD card.

Select the amount you would like to add to your chipper cash virtual card

Once, you do that, your card would be funded instantly and you can clear your outstanding balance on Facebook.

Personally, I use the Facebook ads manager app to check on my ads and make payments. So, all I had to do was to log into my account. And add the chipper cash card for payment.

After doing that, I received this notification.

my chipper cash card was debited
My chipper cash virtual USD card was charged

Meaning that the transaction was successful and my Facebook account was back and active.

How does chipper cash make money from this transaction

Now, there’s something I discovered during this entire process. Chipper cash uses the black market price when you top up your USD card. So I deposited N1,600 and I was given $2.09

Here’s the maths:

N1,600 = $2.09

N765.6  = $1

At the time, I was supposed to pay N917.62 on Facebook (N853.60 my actual fee + N64.02 tax). If you convert that to dollars using the official rate of N449.81 (at the time of writing this article) we would have.

Here’s the maths:

$1 = N449.81

$2.04 =917.62

This means that chipper cash is getting N315 for every dollar spent on that USD card.

After paying for my Facebook ads, I was left with just $0.05 on my chipper cash card. This shows that they earned about N650 from this simple transaction that I just did.

Now, I’m glad that I was able to pay for my Facebook ads. But, I think it would be better to get myself another USD card from a bank. That’s if they won’t use the same method to make money off their customers.

So, if you are in a tight position but would like to pay for your Facebook ads to avoid getting your account suspended. Check out chipper cash because they’d give you a free USD virtual card very fast or just get a USD card to start making payments


So that’s how you solve the Facebook ads card declined issue (at least, that’s how I solved mine)

Hope this article helps. If you found it helpful, then leave a comment and let me know what you think about this method that I just shared with you. Also, feel free to share it with a friend

Leave a Reply

Your email address will not be published. Required fields are marked *