How Agencies Manage Facebook Ad Spend Across Multiple Clients

The real challenge: Visibility and Control

For agency owners and finance leads, the nightmare isn't just the ad performance—it's the reconciliation. Tracking who spent what, on which card, for which client, usually involves a mess of spreadsheets at the end of the month.

Common Agency Setups

1. One Card, Many Clients

Pros: Simple to set up.
Cons: Nightmare reconciliation. If the card gets blocked, ALL client accounts go down.

2. Client-Provided Cards

Pros: No liability for the agency.
Cons: Chasing clients for updated expiry dates; no cashback/rewards for the agency; loss of control.

3. Prepaid Cards

Pros: Budget capping.
Cons: Cash flow heavy (you pay before you spend); often high fees.

Reconciliation Pain

The monthly close process often takes days because Facebook invoices don't always match the credit card statement dates perfectly. Agencies need real-time issuance of virtual cards per client to solve this.

What an ideal setup looks like

The gold standard is unlimited virtual cards—one unique card per ad account. This isolates risk (if one card fails, others stay up) and automates reconciliation (Card A always equals Client A).