Meta moved my ad account to monthly invoicing. What changes, and can I still pay by card?

TofuAnswer by the Tofu team · checked

Not if Meta required the switch. If Meta emailed you about an important change to your payment options, it says every ad account in your business portfolio must use bank payments and "You can't switch back to using a credit card." Instead of card charges at each payment threshold, you get one invoice per ad account per month, due within 30 days, paid by direct debit (US and SEPA only), bank transfer or, in Brazil, Boleto. If you opted in yourself, you can return to a card once all invoices and this month's costs are paid.

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As of October 2026.

What changed

Before (card on automatic billing)Now (monthly invoicing)
When you're chargedEach time your costs reach your payment threshold, and again on your monthly bill dateOne invoice per ad account for each calendar month, issued at the start of the next month
When you payWhen the charge runsWithin 30 calendar days of the invoice date (60 days in some countries)
How you payPayPal or most credit and debit cards, or prepaid available fundsDirect debit autopay or Pay now (US and SEPA only), bank transfer, or Boleto (Brazil only). Meta's invoicing pages list no card option
What limits your spendA payment threshold and daily spending limit that Meta setsA credit limit across every account on the credit line. Hit it and ads may pause until you pay
How many chargesMany. Meta's example: $100,000 of spend on a $1,000 threshold means 100 chargesOne invoice per ad account, or one per invoice group
Going back to a cardNot applicableNot allowed if Meta required the switch. Otherwise only after all open invoices and this month's uninvoiced costs are paid

Meta adds that the credit limit "is not a form of credit or financing." It's the most unpaid spend allowed at one time, and it covers more than ads: WhatsApp Business accounts, Meta Verified for Business and Meta Business Agent can all draw on it.

Who it affects

  • Businesses that got Meta's email. Meta's help center says "some businesses may be required to switch to monthly invoicing." Its article on meeting that requirement only shows its content when you're logged in with the profile tied to a business portfolio that got the email, so the details aren't public. Meta's public pages don't say which businesses it picks.
  • Everyone else. For other businesses, monthly invoicing is optional. If you're eligible, you'll see a banner at the top of Billing & payments in Meta Business Suite. Meta's advice if there's no banner: keep paying the way you do now.
  • Agencies. A business that owns a credit line can share it with partners in full, as a fixed amount or with a spend cap. The owner stays liable for everything charged to it. In the US, Brazil, France, India and Mexico, sharing works only between businesses in the same country.
  • Accounts in other currencies. An ad account can move to a credit line only if the line supports that account's currency.

One side benefit: if you pay by monthly invoicing, Meta lets you complete business verification with your credit line details instead of documents, as long as the credit line is yours and not shared from another business.

What to do now

  1. Check your access. Applying for a credit line needs full control of the business portfolio and access to manage finance. Paying invoices and setting up autopay need finance access too.
  2. Apply, if Meta hasn't set it up for you. In Meta Business Suite, click All tools, then Billing & payments, and click Get started on the banner. Choose the legal entity (its details must match your government registration), add your business and billing details, pick the ad accounts, accept the terms and upload a business license or tax document if asked. Meta says approval may be instant, or it may contact you within 3 business days.
  3. Clear your current balance first. Meta requires the previous month's balance to be paid with your current payment method before you add the credit line.
  4. Add the credit line to each ad account. In Billing & payments, click Payment methods, then Add payment method, select Business payment method, pick the credit line and review your invoicing emails and billing address. You'll also choose whether to pause ads at the end of the month or keep them running.
  5. Turn on autopay if you can. In the US and SEPA, go to Billing & payments, click Credit lines, select the credit line and click Set up autopay under How you'll pay. Choose Online banking, log in to your bank, then turn on Autopay. If a debit is declined, you must pay that invoice by bank transfer.
  6. Set Meta up as a supplier. Meta publishes forms and bank letters for your accounts payable team. Find the Meta entity in the top-left corner of your invoice and the bank currency at the bottom. When you pay by transfer, put Meta's invoice numbers in the reference, and check Meta's bank details against an invoice you download from your business portfolio.
  7. Group invoices if you run many accounts. Each ad account gets its own invoice by default. An invoice group combines them into one, which you can pay with a single transfer.
  8. Watch the credit limit. If you use it all before month end, ads may pause even before the invoice is issued. Paying early frees up the limit, and Meta notifies you when you're close. If ads pause for non-payment, pay the balance and email proof to [email protected].

If card rewards were part of your budget, plan without them. None of Meta's monthly invoicing pages mentions paying an invoice by card.

Dates to watch

DateWhat happens
The day you switchMeta's pages differ. One says that coming from a credit card, invoicing starts right away once your previous month's balance is paid (and on the 1st of the next month if you're moving from another credit line); another says invoicing becomes active on the 1st of the month after you set it
1st to last day of each monthOne billing period
Start of the next monthMeta issues the invoice for the previous month
A few days before month end to about the 5thLocking period: some billing and payment settings can't be changed. Meta's pages differ on the exact window: its billing period page says it starts a few days before month end and typically ends by the 5th, its invoice pages say billing information can't be edited from 2 days before month end until 4 days after, and its payment page says Pay now may not work from the 25th to the 5th
30 calendar days after the invoice date (60 in some countries)Payment is due. Miss it and Meta may pause your ad accounts
The due date, on autopayMeta debits your bank account; it may take 2 to 3 business days to show on your statement

Meta hasn't published a public date for the required switch. Check the email Meta sent you for yours.

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