Media buyers have come to appreciate agency accounts for advantages that self-serve accounts typically don’t offer: higher trust levels and increased spending limits.
However, it’s important to remember that agency accounts aren’t a magic solution. They are a category of higher-quality profiles, each with its own classification. Choosing the wrong option can lead to difficulties with campaign launches and scaling.
In Facebook Ads, there are two main types of agency accounts: those with a linked card and those with a credit line. In this article, we’ll take a closer look at both account types, explore their advantages and disadvantages and compare them.
Credit Line Accounts
With credit line accounts, media buyers can create campaigns and run ads until they reach their spending limit.
At RentAcc, credit line accounts are provided on a prepayment basis: the top-up amount equals the available limit. Accounts come with the following setup and conditions:
- Campaigns can be launched with both links and apps.
- Maximum setup: up to 3 profiles and 4 FanPages.
Accounts are issued within 24 hours of submitting a request on business days.
Advantages of Credit Line Accounts
The main advantage of credit line accounts is stable, uninterrupted ad payments. Media buyers working with these accounts won’t face freezes or downtime caused by failed transactions. That’s because the payment mechanism doesn’t depend on whether a virtual card is working properly.
Credit lines also protect against overspend and other unintended expenses, as spending is restricted by internal limits.
Limitations of Credit Line Accounts
Uninterrupted payments and predefined spending limits provide a solid foundation for smooth scaling and help prevent unexpected expenses. However, this financial stability comes with three important limitations.
- No option to create or connect additional FanPages. Only the FanPages included in the setup are available. This is because FanPages are linked to these accounts during registration. If all FanPages get blocked, the account becomes completely unusable, as there is no option to connect additional pages. If you want to use your own FanPages, you need to provide them in advance.
- One app per account. Credit line accounts are suitable for app promotion, but each account is issued for a specific app only. An account provided for the game “Super Win” won’t work for promoting “Spin and Earn” or running link-based campaigns. If the app gets banned, the account becomes unusable.
- Vertical restrictions. It’s best to check the permitted verticals with your manager before launching. For example, credit line accounts are not suitable for promoting financial products.
If you’re interested in promoting mobile apps through credit line accounts, the RentAcc team can provide access to an account. Keep in mind that each account is issued for a specific app.
Accounts with a Linked Bank Card
Accounts with a linked card work differently: ad spend is charged at regular intervals determined by the payment threshold.
For example, let’s say the payment threshold is $100, while a media buyer spends $1,000 per day. This means that 10 charges will be processed throughout the day.
Our accounts come with US bank cards linked to them and are provided under the following conditions:
- Campaigns can be launched with both websites and mobile apps.
- Third-party FanPages can be connected to the account.
- Top-ups take up to 20 minutes.
As with credit line accounts, accounts are issued within 24 hours of submitting a request on business days.
Advantages of Accounts with a Linked Card
The main advantages of accounts with a linked card are the ability to connect an unlimited number of FanPages and run creatives with more aggressive messaging compared to credit line accounts.
In addition, these profiles allow you to drive traffic to both mobile apps and links. If an app gets banned, you can simply replace the inactive app with a working one and continue running campaigns.
Limitations of Accounts with a Linked Card
The obvious downside of accounts with a linked card is the risk of payment freezes and overspend, which can affect even paused campaigns.
The banking system is not immune to technical failures and other errors. If Facebook doesn’t receive a payment on time, the ad account may be restricted until the media buyer resolves the payment issue.
Linked Card vs. Credit Line: A Comparison
To sum up, we’ve prepared a short table comparing the two types of Facebook Ads agency accounts across six criteria.
Facebook credit line accounts are primarily suitable for media buyers who run link-based campaigns and want to scale as smoothly as possible. Accounts with a linked card are likely to appeal more to those whose setups revolve around mobile apps.
Conclusion
Credit line agency accounts are neither better nor worse than accounts with a linked card. They are two separate solutions designed for media buyers with different needs and working styles.
Whichever option you choose, the RentAcc team can provide access to the Facebook ad accounts you need. We’ll issue your account within 24 hours of receiving your request on business days, answer any technical questions, and help you make the right choice.
RentAcc clients also get access to Team Access with flexible role management. Notifications about every transaction and other important events are delivered to Telegram in real time.
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