When running advertising campaigns on platforms such as Facebook Ads or Google Ads, two of the most disruptive issues advertisers face are “Funds on hold” and “Payment method disabled.” These problems not only pause campaigns but can also negatively impact performance and cash flow.
What Does “Funds on Hold” Mean?
“Funds on hold” occurs when the platform temporarily reserves your budget while ads are not being delivered or campaigns are suddenly paused. Common causes include payment methods being flagged as risky, low account trust, frequent payment changes, or unstable spending behavior. During this review process, the budget is temporarily locked.What Is “Payment Method Disabled”?
This is a more serious issue in which a card or payment method can no longer be used for advertising. It often results from repeated payment failures, inconsistent billing information, suspicious activity, or connections to accounts with previous issues. If handled incorrectly, this problem may spread to other related ad accounts.Safe and Effective Ways to Handle These Issues
Advertisers should maintain stable payment methods and avoid frequent changes or sudden budget spikes. Separating ad accounts, business managers, and payment sources helps reduce the risk of issue propagation. Most importantly, building a consistent and transparent payment history is essential for long-term account stability.Expert Perspective
In 2026, advertising platforms evaluate not only individual transactions but the overall trustworthiness of the entire account ecosystem. As a result, resolving payment issues is no longer a simple technical fix—it requires experience, proper processes, and a strong understanding of platform policies.Final Thoughts
“Funds on hold” and “Payment method disabled” issues are not uncommon, but the way they are handled determines long-term risk. Following the correct procedures and seeking proper support can help advertisers protect their accounts, budgets, and campaign performance.-Advertising expert Henry Duy - CEO & Founder of GDT Agency, was the one who explained this issue.-