Payment declinedYour bank rejects the charge to Snap
Local debit and credit cards are often blocked for foreign advertising payments, so the issuer refuses Snap's charge.
The ScarabPay virtual card is made for international online payments in USD.
Snapchat Ads Manager won't accept your card, or your campaign paused after a failed charge? Fund a ScarabPay virtual Visa card with USDT and keep your Snap ads running in US dollars.
Snap ads live between friends' Stories and in full-screen moments, so creative works best when it feels native. All of these are billed to the same ad account.
Full-screen vertical ads that appear between Stories and content. A swipe-up takes people to your site, app or offer.
A branded tile in Discover that opens a series of Snaps, or a set of product tiles that suit shops and catalogues.
Augmented reality effects people play with and send to friends. Popular for launches and seasonal campaigns in the Gulf.
Snap can charge a card on its own schedule, sometimes as early as when a campaign starts. Knowing which setup you have helps you keep enough balance ready.
Snap charges your saved card as your ads deliver, at intervals it sets and when your spend reaches a threshold. It may also run a small authorization check when you add or update the card.
Where available, you add funds up front and Snap deducts spend from that balance. Ads stop when the balance runs out, and a prepay account cannot later be switched to another payment method.
The ScarabPay virtual card fits both setups: keep it as your card on file or use it to add prepaid funds, and reload it with USDT before your next charge.
When a Snap charge fails, delivery can pause right away. These are the common causes and what to do about each.
Payment declinedLocal debit and credit cards are often blocked for foreign advertising payments, so the issuer refuses Snap's charge.
The ScarabPay virtual card is made for international online payments in USD.
Authorization failedSnap may place a small authorization to confirm the card. If the card has no balance yet, or the details are mistyped, it is refused.
Load the card before adding it and copy the number, expiry and CVV exactly from your ScarabPay account.
Insufficient fundsSnap can charge during a campaign, not only at the end. If your spend grows faster than expected, a low card balance will fail.
Keep a buffer above your expected spend, especially when you raise budgets.
Payment method requiredAfter a failed payment Snap can pause delivery or cancel orders until a working payment method is in place.
Reload the card, update the payment method in Billing and restart the paused campaigns.
Enter your daily budget and how many days your ads will run. We add a 10% margin so a billing-threshold charge never lands on an empty card.
Sign up on the web or the Android app and complete identity verification.
Send USDT to your ScarabPay balance from any wallet or exchange.
Issue the reloadable virtual card and load your first campaign budget plus a buffer. The calculator above gives a quick estimate.
Sign in to ads.snapchat.com, open the menu and go to Billing and Payments, then Payment Methods.
Enter the card details with the cardholder name and billing country from your ScarabPay account, then set it as the payment method for your ad account.
Start the campaign and check your spend in Ads Manager so you can reload the card before the next charge.
Snap may charge several times during a campaign. The reloadable virtual card stays saved in your ad account, and you add USDT whenever your budgets grow.
Lite is single-use. It may pass one charge, but it cannot be reloaded, so the next Snap charge would be declined and your ads would pause.
Yes. Snapchat Ads Manager accepts Visa cards as a payment method. Load the ScarabPay virtual card with USDT and add it in Billing and Payments.
Snap charges as your ads run, at intervals it sets and when spend reaches a threshold, and it may charge as early as when a campaign starts. The exact charges appear in your billing history.
Snap may run an authorization check to confirm the card is valid. It is not an ad charge and is released by the card network.
Where offered, you add funds first and Snap deducts spend from that balance. Ads stop at zero, prepaid funds are generally non-refundable, and the account cannot be moved to another payment method.
Snapchat has one of its strongest audiences in Saudi Arabia and the wider Gulf, which is why many regional brands run Snap ads. You can target these countries from the same ad account your card pays for.
Reload the virtual card, check the payment method in Billing and Payments, then restart the paused campaigns. Contact Snap support if the account shows a billing hold.
TikTok AdsPay for TikTok ads with a virtual Visa card
Facebook AdsA virtual card for Facebook and Instagram ads
Google AdsPay for Google Ads with a virtual Visa card
X AdsA virtual Visa card for X (Twitter) Ads
All virtual card usesYour card works wherever Visa or Mastercard is accepted. These are the payments our customers make most often.
Create your account, top up with USDT and get your virtual card in minutes.
Snapchat and Snap are trademarks of Snap Inc. ScarabPay is not affiliated with or endorsed by Snap Inc. Ad payments are subject to Snap's advertising and payment terms. Visa is a registered trademark of Visa International Service Association. Mastercard is a registered trademark of Mastercard International Incorporated. Apple Pay, Google Pay, Samsung Pay and all other brand names belong to their respective owners and are shown only to describe where cards can be used; they do not imply endorsement. Card availability, fees and limits are shown in your account and may change.