/cloudfront-us-east-1.images.arcpublishing.com/pmn/VTMPUYSYFYMOFXIWNC7TW4HDUE.jpg "Bucks County commissioners face backlash from Trump campaign over Senate recount in Pennsylvania")
Declines in Microsoft Ads transactions often occur due to payment issues. Common reasons include using unsuitable cards for the platform or exceeding card limits. In this article, we’ll explore how to avoid “risk payments” on Microsoft Ads and find out which financial providers offer the best virtual cards for advertising payments in 2024.
In this article:
- Main Reasons for Declines on Microsoft Ads
- Top 5 Services for Issuing Virtual Cards
- PSTNET review
- Capitalist review
- YeezyPay review
- eCards review
- Pay2House review
Main Reasons for Declines on Microsoft Ads
Microsoft Ads employs strict anti-fraud systems that meticulously monitor payments and block suspicious transactions. Suspicious activity includes using cards with inappropriate BINs (Bank Identification Numbers) or when the virtual card’s BIN doesn’t match the account region.
For instance, if an account is set up in Europe but a U.S. BIN is used, the system will reject the transaction. Cards that have been compromised or “worn out” due to frequent advertising payments are also blocked. Frequent attempts to pay from multiple cards or using cards from high-risk regions can also trigger declines.
To prevent these issues, it’s advisable to use virtual cards with real bank BINs from the U.S., Canada, the UK, or European countries. Credit cards are generally more reliable, as Microsoft Ads often treats debit and prepaid cards with suspicion. The payment network matters too—Visa or Mastercard cards are preferable.
Choosing the right virtual card requires considering multiple factors. We’ve analysed the market and expert reviews from media buyers to compile a top-five list of financial providers that issue the best virtual cards for Microsoft Ads. All of these providers allow you to issue an unlimited number of cards.
Top 5 Services for Issuing Virtual Cards for Microsoft Ads
1. PSTNET
PSTNET tops our list, offering three card types for Microsoft Ads: specialised branded cards for Microsoft Ads, general-purpose advertising cards, and credit cards with a 3% cashback and premium BINs. All cards meet Microsoft Ads’ requirements, are issued by trusted U.S. and European banks, work with Visa/Mastercard, and support payments in USD and EUR.
Key Features:
- Zero fees for transactions, declines, frozen card operations, or withdrawals
- 25+ BINs from U.S. and European banks, minimising risk payment issues
- Three funding methods: 18 cryptocurrencies, bank transfers (SWIFT/SEPA), other Visa/Mastercard cards
- Team collaboration tools to allocate tasks, set roles, and establish card limits
- Expense analytics: Financial reports available to users
- 3D Secure Technology for payment security
- Two-factor authentication to protect user data
- Telegram bot to receive 3D Secure Codes and service updates
- Registration options include Apple ID, Google, Telegram, WhatsApp, or email
- 24/7 customer support available via Telegram, WhatsApp, and live chat
2. Capitalist
Capitalist is a popular financial platform for online transactions. For Microsoft Ads, it offers specialised CardsPro cards (Visa/Mastercard) issued by reputable banks in the U.S., Europe, and the UK. Payments can be made in USD and EUR. Consulting with a service manager is recommended, as the cards are not segmented by platform.
Key Features:
- Zero transaction fees; decline fee is capped at $0.30
- Nine BINs from U.S., European, and UK banks
- Four funding methods: five cryptocurrencies, SWIFT/SEPA transfers, other Visa/Mastercard cards, and internal transfers within the Capitalist platform
- Team collaboration tools for task allocation, sub-account setup, and card limits
- Expense analytics: Financial reports available to users
- 3D Secure Technology for transaction protection
- Registration: Standard web form, email verification, request submission for CardsPro issuance, and a brief interview with a service manager
- 24/7 support available on Telegram
3. YeezyPay
YeezyPay offers virtual cards suitable for multiple purposes, including Microsoft Ads. Supported by Visa, Mastercard, and UnionPay, these cards are issued by banks in the U.S., Europe, and the UK. Although YeezyPay is relatively new and some features are in pilot, its cards have trusted BINs and perform well with Microsoft Ads.
Key Features:
- Zero transaction and decline fees
- Seven BINs from U.S., European, and UK banks
- One funding method: USDT (TRC20)
- No team collaboration tools
- Expense analytics: Financial reports available upon request via Telegram
- No 3D Secure Technology
- Registration through Telegram bot with access link to account setup
- 24/7 support available on Telegram
4. eCards
eCards is a virtual card service tailored for advertising payments. Its cards support Visa, Mastercard, and UnionPay and are issued by banks in the U.S. and Europe, making them suitable for Microsoft Ads payments. Notably, the service imposes penalties for declined payments.
Key Features:
- Zero transaction fees
- Ten BINs from U.S. and European banks
- Two funding methods: USDT (TRC20), SWIFT bank transfers
- Team collaboration tools for role and budget allocation within the account dashboard
- Expense analytics: Data available upon request as separate documents
- No 3D Secure Technology
- Registration requires completing an application on the website, identity verification, followed by an interview with a support manager who will provide a Telegram invite
- Support available daily from 08:00 to 22:00 (GMT+3)
5. Pay2House
Pay2House provides virtual cards for advertising payments and online shopping. Compatible with Microsoft Ads, these cards work with Visa/Mastercard. Benefits include anonymity and additional functions for bulk payments and invoicing.
Key Features:
- Six BINs from U.S., European, and UK banks
- Three funding methods: USDT (TRC20), Capitalist service, internal user-to-user transfers
- No team collaboration tools
- Expense analytics: Data available upon request
- No 3D Secure Technology
- Registration via online form on the website with account activation code sent by email
- 24/7 customer support via website chat
To minimise declines on Microsoft Ads, it’s essential to use suitable virtual cards. Key factors to consider when choosing a virtual card include:
- Selecting cards with BINs that align with your ad account’s region
- Prioritising BINs associated with reputable banks in Europe, the U.S., and the UK (BIN checkers can verify this)
- Avoiding overuse of the same cards, as the system may flag them as risky
All the cards in our top five from PSTNET, Capitalist, YeezyPay, eCards, and Pay2House are compatible with Microsoft Ads and meet the platform’s requirements. Additionally, each offers unique advantages that we’ve covered in detail in our review.
