Affiliate marketing and working with ‘gray’ offers always come with risks.
Neither a properly warmed-up account nor a purchased profile with a ready-made advertising account attached to it will save you from a ban or negative ROI if a webmaster chooses the wrong payment system or makes a mistake during setup.
In this article, we’ll talk about the common mistakes webmasters make when choosing a payment system — and how to avoid these screw-ups.
Top 10 Mistakes Webmasters Make When Choosing a Payment System
Warming up an account or buying a profile with a linked ad account is only half the battle. No matter how trustworthy your promo materials are or how accurate your targeting is, the entire campaign can fail because of the wrong payment system.
One wrong service paid with a virtual card — or even a tiny error during card binding — can kill your profits. To help readers avoid the painful trial-and-error method, we’ve collected the top 10 mistakes that ruin ad campaigns. We also asked the Pay2House team to share their expert advice.
Mistake #1: Not Checking What Services Can Be Paid For
Some payment systems only allow you to pay for advertising, while others are okay with webmasters buying expendables like virtual numbers, domains, AI tools, and more.
Let’s imagine this: a webmaster pays for a ChatGPT subscription, even though it’s prohibited. The payment provider may block the card or permanently ban the account — which means the ad campaign stops cold.
You won’t have to scramble for a new payment system if you find out in advance what services you can and cannot pay for with virtual cards.
"With our cards, you can pay for hosting, proxies, AI platforms, and other online services. Our cards also work with Apple Wallet," — Pay2.House team.
Ideally, find a payment provider that doesn’t limit what you can purchase. The more categories supported by the card, the lower the risk of being blocked.
Mistake #2: Not Checking Often BINs Are Updated
BIN — Bank Identification Number — is the first 6 digits of a card. It shows which payment system (Visa, Mastercard, etc.), issuing bank, card type, status, and country the card is from.
Sooner or later, a BIN gets blacklisted by Meta or another advertising platform — the more webmasters link the same BIN to their ad accounts, the sooner it gets flagged.
"We constantly monitor the relevance of our BINs and regularly update the list. Right now, we have more than 10 BINs from the UK and Hong Kong," — Pay2.House team.
If BINs are updated infrequently — or not at all — the best-case scenario is that the card simply won’t link to the ad account. Worst case? The account gets banned instantly.
Mistake #3: Using One Card for Multiple Ad Accounts
Using one card for several ad accounts is a red flag for anti-fraud systems. Even if your proxies are clean and your fingerprint is solid, the account will still likely get banned.
Webmasters often knowingly take the risk simply because their payment system doesn't issue enough cards per user.
"You can issue an unlimited number of cards for each account. Accounts are multi-currency (USD, EUR, USDT). Additional accounts can be created if needed," — Pay2.House team.
To avoid shooting yourself in the foot, find a payment system that can meet your card volume needs — the more, the better.
Mistake #4: Using a Card from a Different GEO than the Ad Account or Campaign
Cards issued in countries with transparent banking systems are preferred by ad platforms — for example, the USA, Switzerland, or Germany.
It’s no surprise if your Facebook ad account gets blocked when using cards from Pakistan or India — regions often abused by drops and shady players.
"We offer a choice between two issuing countries: the UK and Hong Kong. These regions were chosen due to high trust levels from ad platforms and strong payment success rates," — Pay2.House team.
To minimize the risk of account bans, work with cards issued from trusted GEOs.
Mistake #5: Not Checking Card Limits and Top-up Speed
Top-up limits are an often-overlooked factor. If the card’s funding limit is lower than the campaign's needs, ads will stop as soon as the balance runs out — a major issue for large-scale teams and media buyers.
"Limits depend on the funding method. For example, Capitalist.net allows €10 to €100,000, while Tether USDT (TRC20) starts at 5 USDT with no upper limit. We’re also open to raising limits individually," — Pay2.House team.
To avoid interruptions, choose a system that can adjust your limits on request.
Mistake #6: Not Considering Milti-Currency Support or Conversion Fees
If you’re running traffic across multiple countries, you need a multi-currency card or one with low FX fees.
Without it, you’ll pay a fee for each conversion — which will eat into your ROI over time.
Worse, failed payments due to unsupported currencies can trigger declines — and repeated declines may lead to bans.
Mistake #7: Ignoring Declines
A decline is a rejected payment. Once your decline rate crosses a threshold, it causes trouble.
Every decline is a red flag to the payment system. Platforms like Facebook may interpret frequent declines as fraud and ban your account. A high decline rate lowers your payment reputation and trust score, and may pause your active campaigns.
"The system average is 2–3%. We closely monitor transaction quality. Each decline is charged $0.25. If a client’s decline rate increases, we reach out, investigate the cause, and provide recommendations. This helps keep our BINs clean and trusted by ad platforms," — Pay2.House team.
Frequent declines also catch moderators' attention: they may review your account, offers, or payment methods — and block them. When scaling, Facebook may lower your billing threshold or block new campaign launches entirely.
Mistake #8: Not Checking Fees
At first glance, a 1% difference in fees (2% vs. 3%) might seem small — but with large budgets, that difference becomes significant. Spending $100,000 on ads? That 1% becomes $1,000 in fees.
Always check fees for issuing cards, topping up, ad payments, withdrawals, and transfers. Spend a few minutes on math now to avoid losing profit later.
Mistake #9: Skipping Reviews
Clients of these services include affiliates, CPA teams, marketing agencies, ad networks, digital entrepreneurs, online businesses, and crypto teams. Before signing up for any service, always check user reviews.
You can check reviews in chats and Telegram channels — that’s where you’ll learn how a service handles edge cases like refunds, withdrawing leftover balances after bans, or helping with bulk BIN replacements.
Mistake #10: Ignoring the API
API is all about automation and time-saving. With it, you can easily issue and fund cards, mass-attach them to ad accounts, monitor balances, declines, and more.
In short, API simplifies your payment workflow and reduces the chance of manual errors.
"We offer a full suite of API tools for working with Pay2. We’re happy to provide custom solutions and help with setup based on your project’s needs," — Pay2.House team.
It’s better to spend your time on building funnels, competitor research, and campaign setup — not routine card management.
Pay2.House Payment Service
The service brings together the key features that affiliate marketing pros need: convenience, speed, and savings on fees. Here’s what it offers:
Quick ad account top-ups. With Pay2.House, you can fund ad accounts (Facebook, TikTok, and more) in just a couple of clicks — no downtime, no delays.
Mass payouts support. The platform enables one-click payouts to partners — ideal for larger teams.
Just upload the payment details, and the system will automatically distribute funds to the recipients.
Multicurrency account support. You can hold your balance in two fiat currencies simultaneously — EUR and USD.
If your ads are running across multiple GEOs, you won't suffer financial losses due to currency conversions.
Cryptocurrency support: the payment service allows topping up a USDT crypto account and transferring USDT via the TRC20 network.
You can top up in a way that’s convenient for you — from an exchange, exchanger, or personal wallet.
Low fees on top-ups and transfers help save on turnover when working with high traffic volumes. Pay2House offers the following fees:
API for process automation. The payment service allows you to automate top-ups, payouts, and more.
The service offers a bonus: through the referral program, you can receive 33% of the income.
Specifically for clients, the Pay2.House team wrote a guide on how to use and manage your accounts. If you have any questions, feel free to contact the managers:
- Telegram chat: https://t.me/pay2_house
- Managers: @annapay2, @dimapay2, @yanpay2
They will respond within an hour.
Conclusion
If you choose a payment provider whose developers don’t care about their clients, your campaigns will fail and budgets will be wasted. If you’re tired of endless bans, high fees, and restrictions, consider Pay2.House.
Share the article
No comments yet. Be the first!