How to Choose a Payment System to Avoid Bans and Keep Campaigns Running

Working in traffic arbitrage is always a risk. Even the most advanced account, the best creatives, and precise targeting won't save you if your payment provider fails. A poorly chosen payment system can derail a launch, wipe your balance, or, worse, lead to a series of bans. In a competitive environment where offer testing is fast-paced, there’s no time to recover.

We’ve compiled the 10 most common mistakes arbitrage teams make when choosing a payment provider. This article will be useful for both beginners and experienced teams handling high volumes.

TOP 10 Mistakes When Choosing a Payment Provider (and How to Avoid Them)

Mistake 1. Not checking which services can be paid for

In practice, it’s simple: pay for a VPN — and your card gets blocked. Why? Because not every payment system allows such transactions. A supposedly “clean” provider may flag gray-zone payments as suspicious and freeze your card.

Solution: Choose a provider that supports a wide range of payments. With Pay2.House, for example, you can pay not only for ads but also for hosting, proxies, Apple/Google subscriptions, and AI services like ChatGPT and Midjourney. This saves time and adds flexibility.

Mistake 2. Not paying attention to BIN updates

BINs aren’t just numbers — they’re your digital fingerprint. Meta, Google, and TikTok use them to determine where your card is from. If thousands of users share one BIN, it quickly ends up on blocklists.

Solution: Always ask how often BINs are updated. Pay2.House uses BINs from the UK and Hong Kong and rotates them regularly. This boosts card trust and reduces declines.

Mistake 3. Using one card for multiple accounts

Trying to save on cards can cost you dearly. If one account gets banned, all linked accounts may be flagged due to shared payment details.

Solution: Issue a separate card for each ad account. With Pay2.House, there are no limits on the number of virtual cards you can create — it’s safe and efficient.

Mistake 4. Ignoring card geo

Not all regions are treated equally by ad platforms. Cards issued in low-trust countries (e.g., India or parts of Africa) are often rejected or flagged.

Solution: Choose cards from “clean” geos. Pay2.House offers cards from the UK and Hong Kong — trusted regions for ad platforms.

Mistake 5. Overlooking top-up limits and restrictions

Launching a campaign for $3,000 only to be stopped because you can’t top up on the weekend? It happens — but it’s avoidable.

Solution: Check funding limits in advance. Pay2.House supports top-ups via Capitalist (up to 100,000 EUR/USD) and USDT (from just 5 USDT, no upper limit). Custom limits are available on request.

Mistake 6. Not using multi-currency accounts

Currency conversion can eat up 3–5% of your budget. Running EUR ads with a USD card means you’re losing money before the first click.

Solution: Use accounts in the currency you actually spend. Pay2.House offers USD, EUR, and USDT accounts to help you keep ROI accurate.

Mistake 7. Not monitoring declines

A few declined transactions might seem harmless. But if the decline rate is high, platforms start questioning your credibility — and bans follow.

Solution: Pay2.House takes this seriously. The average decline rate is 2–3% — one of the best on the market. We charge $0.25 per decline, and if a user’s decline rate increases, we reach out to diagnose the issue and offer solutions. This helps keep BINs clean and cards trusted.

Mistake 8. Underestimating hidden fees

A 1.9% transaction fee may sound fine — until you discover extra charges for card issuance, funding, or transfers. These can add up to over 5%.

Solution: Look at the total cost. Pay2.House offers transparent pricing with no hidden fees, which is critical for large-scale operations.

Mistake 9. Ignoring provider reputation

A flashy site doesn’t mean the service is reliable. In critical moments, you don’t want “technical maintenance” or support that’s offline.

Solution: Check feedback in Telegram communities and ask around. Pay2.House is well-reviewed among arbitrage teams and agencies.

Mistake 10. No automation tools

Managing dozens of cards manually is risky. Missed a top-up or exceeded a limit — and your campaign pauses.

Solution: Use API integrations. Pay2.House allows you to issue cards, fund them, and track balances via API — saving time and reducing errors.

Why Pay2.House is a Reliable Payment Provider for Arbitrage

• Instant top-ups for Facebook, TikTok, and other platforms

• Accounts in USD, EUR, and USDT

• Low fees for transfers and funding

• Unlimited number of cards

• Full API automation support

• Bonus: 33% revenue share via referral program

Final Thoughts

Choosing a payment provider is a strategic decision for every media buyer. There’s no room for mistakes — speed, reliability, and flexibility directly impact your results. The wrong provider can cost you time, budget, and trust.

Pay2.House grows with your business. Whether you’re testing or scaling, it provides flexible limits, reliable support, and robust tools. Focus on your traffic — not on chasing down working cards.