Threasury issues two types of Meta ad account: top-up (prepaid) and credit-card (CC). They are different products. We do not convert one into the other. If you need the other format, request a new account. Both can sit in the same BM.

TikTok, Google, Snapchat, and Pinterest are top-up only.

1. Top-up accounts

You fund the Threasury wallet, then allocate to the ad account. Ads spend the prepaid balance.

• Instant API top-ups 24/7 on Meta (and TikTok HK / Google)
• Auto top-up rules available
• Partial Business Manager access
• Level-based fee reductions apply
• Meta location fees (DST) are passed through on top-ups — including on Unlimited plans
• No card on the ad account, so no card-decline pauses

Keep the wallet funded. Low ad-account balance = ads pause.

2. Credit-card accounts

You attach your card (or PayPal — allowed on Meta CC). Meta bills the card on its own threshold / billing-date logic. Threasury invoices our agency fee separately.

• Full BM access
• No level-based fee reductions — CC fee stays at the region base rate
• Location fees are billed by Meta to the card, not through our top-up flow
• Card declines, OTPs, and 3-D Secure failures can pause or restrict the account
• PayPal is not a Threasury wallet method; it is only a Meta-side method on CC accounts

Card / credit-line lock window

Meta card and credit-line work is locked from the 29th through the 4th of the month and opens on the 5th. Plan new CC accounts and credit-line changes around that window.

Which should you choose?

For most advertisers, top-up is more stable. Choose CC if you specifically need postpaid billing, card points, or PayPal on the ad account.

Common misconceptions

• Wallet balance ≠ ad-account balance. Allocate (or auto top-up) before you expect spend
• Switching Starter → Unlimited applies 0% to existing accounts on that platform; it does not convert CC ↔ top-up
• “Amount owed” / credit-line lines in the dashboard are often our internal coverage, not a bill you must pay — ask support with a screenshot if unsure

Updated on: 13/08/2026