Virtual cards for advertising agencies and client spend

There are two ways to pay for a client's ads. The client can own the ad accounts and pay with its own payment method while the agency has access to run campaigns, or the agency can pay the platform and re-bill the client, usually with a management fee on top. GetVCC fits the second model: the agency buys cards from its own balance and adds them to each client's ad accounts.

Agree the model in writing before launch: who owns each ad account, which business pays the platform and how spend is re-billed. It decides what goes into each platform's billing settings and how you answer verification. Google's advertiser verification asks whether you are an agency, so keep billing details accurate and be ready to explain that the agency pays for the client's ads.

Give each client its own card and add it only to that client's ad accounts. Every charge on the card then belongs to one client, a decline or review on one client's account never touches another's, and when a client leaves, you remove its card and retire it. A client that advertises on several platforms can have one card per platform account, filed under the same client code.

Keep the separation in your records. For each card note the client code, the catalog name and last four digits shown in My cards, the network and BIN, the ad accounts it is saved on, the purchase date and the expiry month. Budget caps belong inside the platforms, such as campaign budgets and Meta's account spending limit.

Use a separate ad account for each client, either a new one or one the client owns, never an account that already ran another client's ads. Clients usually give the agency access through their own business tools, such as a Meta business portfolio, and the card is added by someone with admin access on the ad account.

In Google Ads, a manager account lets an agency run many client accounts from one sign-in, while each client account keeps its own billing. Add each client's card to that client's account only, and note the client code against the card in your register.

In TikTok, paying for an ad account through a Business Center depends on which Business Center owns the account, so settle ownership with the client before you plan to pay. TikTok's billing options also change in one direction only: once an account moves to automatic payment, it cannot go back to manual payment.

Close each month client by client. Meta's payment activity lists every charge with its transaction ID and receipts to download, Google Ads keeps a receipt for each payment in its billing pages, and TikTok lists each payment with its ID, status and amount. When a client queries a line, the transaction ID on the receipt identifies the charge.

Match each charge to the client by the card's last four digits, then compare the total with what you invoice. Allocate GetVCC's costs the same way: the card's price and its one-time issue fee belong to the client the card was bought for, and the per-transaction fee applies to each card payment. New accounts billed at a low threshold make more payments in their first weeks, so per-payment costs run higher at the start. The pricing page shows the current amounts; state in the contract whether these costs are passed on.

Start a few days before the launch date. Agree the billing model, then set up or receive access to the client's ad accounts through the platform's own partner tools. Set each new account's currency and time zone to match how you will report and invoice, because they are hard or impossible to change later.

Buy the client's card next. It shows as processing until it is prepared; if it cannot be prepared, the order is cancelled and the whole amount, issue fee included, comes back to your balance. Keep the balance funded ahead of launches, since every deposit is checked on the blockchain before it counts, and complete any identity check GetVCC asks for before the first client goes live. When the card is ready, enter the billing details from My cards exactly, set the budgets agreed with the client, and wait for the first successful charge before raising spend.

When a client leaves, settle anything owed to the platform, remove the client's card from every account and hand over or remove access as agreed. Never pass a former client's card to another client; retire it in your records. Every card has a validity period, shown on the pricing page, so add a replacement as a backup before a card expires, then make it the primary method.

Run only accounts your clients have authorized you to manage, for businesses and offers that meet each platform's policies. Platforms decide which cards they accept, and GetVCC cards are not a way around a platform's bans, verification or rules.