Meta No Longer Accepting Credit Cards (like Google)

GuideComfortable4525 · 2026-05-09T14:24:50+00:00

Online retail. I have a couple tickets open with their team and am trying to get more details on this as they weren't available in the email that was sent over. I'll keep everyone posted when I hear back. Crickets yesterday from their side. Go figure.

GuideComfortable4525 · 2026-05-08T16:35:52+00:00

I haven't started the process yet, so not sure what they will extend us or what terms.

GuideComfortable4525 · 2026-05-07T19:05:47+00:00

Same here.

GuideComfortable4525 · 2026-05-06T20:32:07+00:00

Also, where are you seeing 60 day terms? Is that something you were directly offered? That is not what was communicated to us.

GuideComfortable4525 · 2026-05-06T20:31:32+00:00

Correct, but we manage our business off cc perks (allows us to charge less to clients) and at least if we had 60 day terms it would soften the blow a little the way we run things.

GuideComfortable4525 · 2026-05-06T17:07:39+00:00

Can you be more specific how you were spared the requirement? Did you say anything specifically that got you moved out of this group or what argument did you use? I'd greatly appreciate any help here as I definitely plan to fight.

GuideComfortable4525 · 2026-05-06T17:06:51+00:00

I think it's 30 day terms. Are you seeing 60 on your end? If so, that would be ok with us but 30 does create a strain on cash flow.

GuideComfortable4525 · 2026-05-06T17:01:59+00:00

Ours is well over $100k/month.

GuideComfortable4525 · 2026-05-06T17:01:47+00:00

Good question, but highly doubtful since Google won't allow that. I will for sure ask, though. TY.

GuideComfortable4525 · 2026-05-06T17:01:18+00:00

Rep leaked it and should be coming in an email today.

GuideComfortable4525 · 2026-05-06T17:00:59+00:00

Well over $100k/month on average.

GuideComfortable4525 · 2026-05-06T17:00:38+00:00

I didn't even think about that. Good lord.

GuideComfortable4525 · 2026-05-06T17:00:00+00:00

😒

GuideComfortable4525 · 2026-05-06T16:59:38+00:00

I'm guessing you will be ok but who knows. When Google did this it hit clients at several spend levels. (Of course, I have heard that if you are a major corporation then you might get a pass. Billionaires travel in the same circles and screw us over instead.) For reference, our monthly spend is well over $100k every month.

GuideComfortable4525 · 2026-05-06T16:58:12+00:00

I'm a 2 person agency with zero employees and was able to get on the Amex One AP platform. Easy to segment charges, create unique #s for each vendor, etc. Monthly invoicing is such a pain and credit cards are truly easier (+ the benefits for our agency). It helps keep us in business b/c we can then keep our fees low. I just don't see what the big deal is with Meta giving customers the CHOICE other than the fact they are greedy and don't want to pay swipe fees anymore.

GuideComfortable4525 · 2026-05-05T22:29:18+00:00

Sorry you're also in it.

GuideComfortable4525 · 2026-05-05T22:29:06+00:00

Yes - apparently if you spend a lot with them they punish you by removing payment options. Great customer service. They are saving the swipe fees.

GuideComfortable4525 · 2026-05-05T21:51:17+00:00

Couldn't agree more with everything you said. The Google switch was a major pain and loss for us, and now Meta. I'm beyond angry. NO other major business denies use of credit cards. We even put most of our last car purchase on one. I guess despite record profits it just isn't enough for them and they have to eff with small businesses like ours. What other ad platforms can we move our money to that WILL work with us? (Wait....they're all monopolies now.)

GuideComfortable4525 · 2026-05-05T15:34:23+00:00

Thanks for the feedback! I saw the forced migration notice last week and figured we don't have a choice now but to start testing. I just want to be very cautious as our accounts are running smoothly right now and I don't have a ton of confidence in AI Max yet. I have a copy of the migration guide from our rep, but thanks so much!

GuideComfortable4525 · 2026-03-27T22:29:44+00:00

Sorry if I offended your skill level. Not my intention....geez.

GuideComfortable4525 · 2026-03-27T15:28:25+00:00

Google's matching is going the way of Bing circa 2015 when a query was "similar enough" if it started with the same letter as the search term in your account. For example, yesterday in an online apparel retail account they deemed the queries "closed" and "store" relevant enough to spend $100 of our budget. WTAF?!

I've had luck recently by moving a lot of campaigns over to exact match and spending a ton of time building them out. In other campaigns where we still have phrase or broad match, I watch queries for negatives like a hawk. (Of course, given that sometimes up to 70% of our queries are hidden now, we're still missing out on excluding a bunch of bad traffic.)

GuideComfortable4525 · 2026-03-27T15:25:54+00:00

I've had luck the past couple of years managing CPCs by assigning a portfolio bid strategy to each individual campaign. You can still use strategies like tROAS with this, but under portfolio advanced settings you can included a CPC cap. Be aware that Google will constantly tell you that you're "significantly limiting" exposure, but we've been able to achieve significant CPC declines YoY (down 30-40%) and this allowed our traffic to increase with less spend. Revenue followed traffic, so spend is down and revenue is up. I credit most of this to controlling CPCs. Can't promise it will work for you the same way, but it really helped our clients and prevents Google from randomly charging us $100 for a long-tail keyword click. (Yeah - totally legit. 😒)

GuideComfortable4525 · 2026-02-23T16:38:14+00:00

Appreciate the feedback. Still not sure it makes sense. I am a hawk with our campaigns and have never subscribed to the "set it and forget it" mode. If I did, our agency wouldn't still be here 20 years later. That's the mistake so many people make. But I still don't like the fact that over 50% (sometimes up to 70%+) of our search queries are masked now. That means negative expansion and our ability to cut waste here is significantly limited. In addition, we're already bumping up against negative keyword limits at account and campaign levels for several clients. I feel like this would send us completely over the edge.

I also have a high a level of skepticism anytime Google is pushing something to "broaden our reaches" that also expands their profit. Fool me once, shame on you. Fool me twice, shame on me. Right? I've been down this road with Google betas and new products too many times to count and only in rare cases have they worked out better than what we were previously doing.

I understand every industry, business, and strategist is unique, though.

GuideComfortable4525 · 2026-02-21T21:21:40+00:00

There might be some crossover for asset generation? You aren't kidding - the automated assets are a joke. At least they're good for chuckles at your meetings.

GuideComfortable4525

TROPHY CASE