Yes, you are absolutely not alone in experiencing this with Facebook (Meta) Ads. It's a surprisingly common and incredibly annoying problem.
It sounds like you've done all the right things on your end: trying multiple cards, adding funds, new methods. The "something is wrong/error" message and then the account disability for payment failure is a classic Facebook Ads pain point.
Here's what's likely happening and what I've seen in my experience:
Why This Happens (Common Reasons):
Bank Flagging: This is the #1 culprit. Even if you have funds and your card is valid, your bank's fraud detection system might be automatically blocking Meta's charges, especially if:
It's a large or sudden charge (Facebook often tries to process charges for your "billing threshold").
It's an international transaction (Meta's servers can be anywhere).
Your bank sees it as "unusual activity" based on your typical spending patterns.
Meta's Security Algorithms: Facebook's own automated systems can be hypersensitive. If they detect any slight discrepancy (even a minor address mismatch, or a new card used from a slightly different IP address than usual), they might block payments as a security measure. This can sometimes be a generic "payment failed" even if the true underlying issue is a security flag.
Accumulated Policy Flags (Less Likely here, but possible): While you said there's no other warning, sometimes if an account has had any minor policy flags in the past (even if resolved), a payment issue can become the straw that breaks the camel's back for the algorithm, leading to a disablement.
Temporary Glitch on Meta's End: While less common for a full disablement, sometimes their payment processing itself can have hiccups.
Was it Resolved for Others?
Yes, for many, but often not without significant effort and patience. Here's how it often plays out:
Calling Your Bank is CRITICAL: Before anything else, call your bank/card provider directly. Tell them you're trying to make a payment to "Facebook/Meta Ads" and ask if they are blocking any recent transactions from Meta. If they are, ask them to whitelist Meta's transactions for your card. This often solves the issue immediately if it's a bank block.
Persistent Communication with Meta Support: This is where the patience comes in.
Live Chat (if available): If you have access to live chat support through your Business Manager (look for the question mark icon > Help Center > "Contact Support" or "Chat with a representative"), use it repeatedly. Explain the situation clearly, mention you've tried multiple cards and contacted your bank.
Appeals: You've likely gone through the appeal process, but keep an eye on your "Account Quality" page (facebook.com/accountquality ) for updates and potential new options to submit more information.
Providing Documentation: Be ready to provide screenshots of the error, proof of funds, or even a statement from your bank if they tell you they're blocking charges.
The Waiting Game: Unfortunately, it can take days, or even weeks, for Meta to review these issues. Their support system can be notoriously slow and frustrating.
Key Takeaway & Advice:
The fact that it says "payment failed" and then disabled you points strongly to either your bank blocking the transaction or Meta's own internal security system seeing something suspicious with the payment attempts.
My strongest advice is to call your bank/card provider ASAP. Tell them exactly what's happening and ask if they see any declined transactions from "Meta" or "Facebook Ireland/USA." Get them to unblock future transactions. This has resolved it for countless people I know.