How To Pay For Facebook Ads Without a Credit Card (Full Guide)

Running Facebook ads is one of the best ways to promote your business or service. But what if you don’t have a credit card? Don’t worry — you can still run Facebook ads using other payment methods.

In this guide, we’ll explain how you can pay for Facebook ads without using a credit card, and what other options are available based on your country.

Why Facebook Needs a Payment Method

When you run an ad on Facebook, they charge you based on your ad’s performance — like impressions, clicks, or reach. To do that, Facebook needs a payment method linked to your ad account.

Most people use credit cards, but they are not the only option. If you don’t have one, you can still run ads using several other methods.

Alternative Payment Methods for Facebook Ads

Here are the payment options you can use instead of a credit card:

1. Debit Card
2. PayPal
3. UPI (for India)
4. Net Banking (for India)
5. Manual Payment (Prepaid balance)
6. Prepaid Cards
7. Facebook Ad Coupons

Let’s look at each method in detail.

1. Pay Using a Debit Card

You can use a Visa, Mastercard, or RuPay debit card to pay for Facebook ads — as long as your card supports online or international transactions.

Things to check:

• The card must allow online payments
• It should support international transactions
• You must have enough balance in your bank account

How to add a debit card:

1. Go to Facebook Ads Manager
2. Click on Billing > Payment Settings
3. Click on Add Payment Method
4. Choose Debit/Credit Card
5. Enter your card details and save

2. Use PayPal (If Supported in Your Country)

PayPal is a safe and simple way to pay. Facebook allows PayPal as a payment option in certain countries.

Steps to add PayPal:

1. Open Ads Manager > Billing > Payment Settings
2. Click Add Payment Method
3. Choose PayPal
4. Log in to your PayPal account and approve the connection

After this, Facebook will charge your PayPal account directly.

3. UPI Payment (India Only

If you’re in India, you can use UPI (like Google Pay, PhonePe, Paytm, etc.) to pay for Facebook ads.

How to use UPI:

1. Go to Ads Manager > Billing
2. Click Add Payment Method
3. Choose UPI
4. Enter your UPI ID (example: yourname@upi)
5. Approve the payment in your UPI app

This method is quick and does not require a card.

4. Net Banking (India Only)

Indian users can also use Net Banking to pay for Facebook ads using their bank’s online portal.

Steps:

1. Go to Ads Manager > Billing > Add Funds
2. Select Net Banking as the method
3. Choose your bank and complete the payment
4. The added amount will reflect as a balance in your ad account

5. Manual Payment (Add Funds in Advance)

If you don’t want Facebook to charge you automatically, you can use manual payment. In this method, you add money to your ad account in advance. Facebook uses this balance when your ads run.

How to do it:

1. Go to Ads Manager > Billing
2. Click on Add Funds
3. Choose your payment method (Debit Card, UPI, or Net Banking)
4. Enter the amount and complete the payment
5. The balance will be added to your account

This is useful if you want better control over your ad spend.

6. Prepaid Cards

Some prepaid cards can be used for Facebook ads. These may include:

• Payoneer
• SBI prepaid card
• Visa gift cards

Note: Not all prepaid cards work, so you should test with a small amount first.

Make sure the card supports online and international transactions.

7. Facebook Ad Coupons

Sometimes, Facebook or its partners offer ad coupons (such as ₹500 or ₹1000 free credit). You can apply these to your ad account.

How to apply a coupon:

1. Go to Billing > Payment Settings
2. Click Add Payment Method
3. Choose a Coupon or Promo Code
4. Enter the code and click Apply

The coupon amount will be added to your account balance.

How to Add or Change Your Facebook Ads Payment Method

If you want to add or update your payment method:

1. Open Ads Manager
2. Go to Settings > Billing > Payment Settings
3. Click Add Payment Method
4. Choose your method (Debit Card, UPI, PayPal, etc.)
5. Fill in the details and save
6. You can remove old methods if needed

Common Problems and Solutions

Problem	Solution
Payment failed	Wait for the transaction to complete or refresh the page
UPI not showing	Only available for Indian users
Card declined	Check if the card allows international use
Balance not showing	Wait for transaction to complete or refresh the page
Error adding payment	Make sure your account and payment method are from the same country

Frequently Asked Questions

Conclusion

You don’t need a credit card to start running Facebook ads. Facebook offers many alternative payment methods like debit cards, PayPal, UPI, net banking, and manual payments, which make it easy for everyone to advertise, regardless of their payment options.

By choosing the right method for you and following the simple steps to add it to your account, you can quickly set up and run successful Facebook ad campaigns without any hassle. So, don’t let the lack of a credit card stop you — start promoting your business on Facebook today!

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