Personal account

Risk Payments on Facebook: Causes. How to avoid?

Risk Payments on Facebook: Causes. How to avoid?



  1. What is Risk Payment?
  2. Causes of Risk Payment.
  3. How to pass Risk Payment
  4. Conclusion

What is Risk Payment?

Facebook has introduced a number of restrictions, one of which is the Risk Payment blocking. It involves banning transactions with a payment card linked to an advertising account. In other words, Facebook has determined that this payment method is unacceptable and will not accept it.

A few years ago, the risks were rare and only a few people knew about it. Now, however, many people are getting caught up in payment verification, including those involved in "white-hat" internet marketing. It has become particularly prevalent in traffic arbitrage, especially in regards to "gray" verticals. In this article, we will discuss why this is the case and how to fight it.

Causes of Risk Payment.

Facebook restrictions do not come out of the blue. It is not uncommon that FB system has gone haywire and suddenly deny payment without explanation. However, there are several reasons that facebook itself writes:

  • Insufficient funds on your credit or debit card. Make sure you have enough funds on the card you use as a payment method, especially on the eve of monthly billing. We automatically charge you when you reach a certain amount, which is called the payment threshold, and when you reach a monthly amount, which is called the payment threshold, and when you reach your monthly billing date if you have outstanding charges.
  • You have reached your credit card limit. Some credit cards have a per-transaction charge limit. If this is the case, you can lower your payment threshold to the amount set by the limit.
  • There was a problem in processing or confirming the card. Most payment problems occur when a bank or payment service provider fails to process a payment. Make sure your credit or debit card will not expire by the time you are scheduled to be charged.
  • Incorrect details. Make sure you have the correct details of your bank account, including its number, code and bank name, in the Payment Settings section.

But we understand that in the sphere of arbitration this error may occur for other reasons as well. Conditionally, they can be divided into several groups:

  • Problems with the payment system;
  • Problems with the account;
  • Problems with the method of linking the payment to the account.

Problems with the payment instrument

More often than not, the bank of payment means is associated with just such problems. Here are the most frequent reasons to block your card.

  • The country of your profile does not match the country of the payment instrument.

This is the easiest and most common reason for a Risk Payment ban. Facebook pales the card's affiliation (country and bank) by the first six digits - the BIN. But many web sites set the country without VAT in the Facebook RC settings. And risk payment is quite expected if the country of the account is the USA, and the card for payment is issued, for example, by a Ukrainian bank.

One of the most common reasons for refusal of payment is due to the fact that facebook recognizes the card (country and bank) by the first six digits - BIN. Many arbitrageurs specify the country without VAT in the settings of the cabinet. It is expected that the payment will be rejected if the profile country is specified as the USA, but a Ukrainian bank card is used for payment.


BIN - The first 6 digits are identifying digits and denote the country.

This applies not only to cards but also to your accounts. For example, if the country of the "mom" is not the same as the accounts.

  • Fake payment card

Many first-time users use cards for payment and then leave a debt on it and there are a lot of such cards, which is called a fake payment card that Facebook has already identified and with such a card you are unlikely to get anything.

  • Problems on the bank's side

Sometimes the error occurs not because of Facebook but because of the bank and your payment card.

Account Problems

In the gambling niche, the quality of your account has a lot to do with Risk Payment and you may be given one for this among other things:

  • Low Trust

The more suspicious actions you commit the greater the chance that your trust from the system will drop and you will receive a Risk Payment. Use trustworthy accounts, fill it up and warm it up.


The worst level of trust is often with autoregs and that's why they are cheap. They are not warmed up and risk flight for such an account is normal. But if you got a restriction with good farming then maybe your account was not of the quality you were told it was.

  • Lack of Business Manager

Most arbitrageurs recommend creating a BM before you link a payment. This really boosts FB's trust in you. If your card is not linked to the advertising cabinet in Ads Manager, then as an option you can also link it through BM (we also do the opposite, if you failed to link to BM try directly to the RK).

  • Poor quality consumables

Any bad consumables can affect the chance of risk. Proxies, accounts, payment means, anti-detect browser.

Problems with the linking method

Facebook sometimes behaves very inexplicably strange and linking to RK will send you Risk Payments but some other method may miss.

How to pass Risk Payment

Buy cards from trusted places

Facebook has a different level of trust for each country and cards belonging to the EU will be more trusted than cards issued in Russia. Issue international cards, buy them from services like PST.NET or issue them in neighboring countries if you are from Russia.

A reliable method is to use special services that issue cards targeted for arbitrage.

Contacting support

One of the easiest ways to contact facebook technical support is to fill out a form dedicated to payment methods. In it you need to specify the name of the RK owner, select the appropriate account from the drop-down list and indicate what caused the difficulty - traveling or moving.

Account dormancy

One option to avoid getting caught up in Risk Payment is to let the account rest before linking the card. Do whatever you need to do to work but leave the card linking for later and do it a couple hours later.

Binding a payment card through the Ad Center

One of the ways not to get on the risk as well will be to bind the card through the Advertising Center and not BM or RK.


To do this, create an Fan Page according to the rules, fill and warm up after which let it rest. Go to the Advertising Center, create an ad and only then knit the card. This may not work for everyone, but sometimes it can help.

What you need to understand to bypass Risk Payment in Facebook

In general, all errors and their circumvention is often described in the schemes of pouring which are constantly changing depending on the updates of Facebook system. We recommend to follow this nuance and use the latest information, but there are some points that should always be taken into account.

  • The BIN of your card has a big impact on the risk exposure and if you are using unreliable methods, then do warming accounts more diligently.
  • Also the currency you use affects this limitation and if you can, it is better to use the most trusted - Euro.
  • Do not forget to warm up your accounts or use already warmed up and reliable but be ready to give more money for such accounts.


There is no way to quickly pass Risk Payment and not get caught up in it in the future. We have analyzed popular problems and solutions. If your card does not fit in one place, try another. But the most important recommendation is to use reliable accounts and consumables. Follow the latest information in the chat rooms and always be on your guard.

Thank you! We have received your application

Our managers will contact you shortly