On April 1, 2026, Meta made a drastic change to its payments policy for select advertisers by no longer accepting credit cards. Those affected received very short notice (less than a month) and scrambled to reconfigure their AP processes. 

If your business was caught up in this change and you’re missing the rewards and flexibility you got from paying for Meta ads with credit cards, there are legitimate ways to work around this policy change. Let’s recap the change in more detail and how you can get back to earning your rewards.

Understanding the Meta Ads Changes

Historically, paying for CPC ads with a credit card has been a popular option for marketers. It was an easy way to earn points and rewards, both of which can add up significantly for high-spend advertisers. Credit cards also tend to be a major component of most businesses’ cash flow strategies, and they can give you some buffer room so you don’t deplete your reserves. 

However, in early March 2026, certain businesses that pay for advertising on Facebook and Instagram were notified that they could no longer pay for Meta Ads with their credit card beginning in April. 

This likely came about due to transaction fees. In any transaction, when a customer pays with a credit card, it’s usually the seller that’s hit with the card fees, which come out to around 2% to 3% of the amount the customer spent. This might seem like a drop in the bucket for a major corporation like Meta, but with the company’s digital ad revenue exceeding around $200 billion annually, discontinuing credit card acceptance from the largest customers can cut fees significantly. It’s also plausible that Meta went this route to reduce credit card fraud and prevent bad actors from taking advantage of the system.

In any case, the two options now available to affected businesses include monthly invoicing and direct debit. 

The monthly invoicing is simple: Meta gives you a credit line, beyond which you cannot spend more. At the beginning of the month, you’ll receive an invoice for the previous month’s ad spending, with payment due in 30 days. 

With direct debit, Meta will directly charge your bank account as frequently as once a day. Because of how often Meta debits your account, direct debit doesn’t have any sort of set payment threshold. And while this is a valid option for ad spending, it’s usually not as popular as monthly invoicing because it requires you to be even more vigilant with cash flow management. 

With all that said, Meta claims that only a small percentage of advertisers are affected by the switch away from credit card payments. Notably, the company hasn’t disclosed if there’s a certain spending threshold they’re using to make the determination or if it exclusively affects those with the highest ad spending. 

So if you’re a smaller business with lower ad spend and haven’t received a notice telling you otherwise, you can continue paying with your credit card as you always have. For those who are impacted and hope to get their points back, read on.

Third-Party Tools for Paying Meta Ads with a Credit Card

Regaining the ability to pay with a credit card isn’t as simple as going to your settings and flipping a switch. The change is irreversible for now, so you’ll need to use a third-party AP tool like Plastiq, Melio, Plooto, or Opal to get around it. Of course, you’ll have to factor in the processing fees that these tools charge, so keep that in mind.

	Best For	Fees	Important Note
Plastiq	Businesses seeking an established, widely recognized solution	2.99% + $0.99 ACH delivery fee	N/A
Melio	Businesses with broader bill pay needs	2.9%; free plan available	N/A
Plooto	Businesses with lower ad spend	2.9%; plans start at $32/month	$10,000 transaction limit
Opal	Businesses seeking a solution entirely devoted to ad spend	3% with Opal card, 3.5% with other credit cards	Not yet available; can join waitlist

Plastiq

Plastiq is a popular business software for both AR and AP, but it’s best known for letting you pay a bill with a credit card even if your vendor doesn’t accept card payments. You can pay with your credit card, and your vendor will receive the payment the way they like: ACH/EFT, paper check, or wire transfer. There are associated fees with using Plastiq, but depending on your credit card’s rewards structure, you could still achieve savings. 

Plastiq doesn’t charge any monthly subscription fees, so the only costs you’ll face are associated with each transaction. The fee for card payments is 2.99%, and the delivery method fees are: 

• ACH/EFT: $0.99
• Paper check: $1.49
• Domestic wire transfer: $8.99

So, if you’re paying with a card and having the funds delivered to Meta via ACH, your cost will be 2.99% + $0.99.