WhatsApp Business “Missing valid payment method” issue even after changing 3 credit cards
Hi everyone,
I’m currently facing a very frustrating issue with WhatsApp Business Platform / Meta Tech Provider setup, and wondering if anyone here has experienced the same thing or managed to solve it.
Issue:
All template blast messages are failing with payment eligibility errors, even though payment methods have already been added correctly.
Inside WhatsApp Manager Overview, it still shows:
“Missing valid payment method”
Things we already tried:
- Replaced credit cards 5 times with different cards
- Used cards from different banks
- Rechecked billing/business address configuration
- Re-added payment methods multiple times
- Confirmed cards are active and support international transactions
- Verified business information and assets
But the issue still persists.
Error response:
{
"code": 131042,
"title": "Business eligibility payment issue",
"message": "Business eligibility payment issue",
"error_data": {
"details": "Message failed to send because your WhatsApp Business account payment has been restricted."
}
}
This honestly feels more like a Meta-side configuration/restriction issue rather than an actual payment problem.
Has anyone successfully resolved this?
Especially:
- Did Meta Support manually fix something internally?
- Is this related to Tech Provider onboarding?
- Any workaround that actually works?
Evidences:
Would really appreciate any help or shared experience 🙏
Posted May 11, 2026, 5:23 AM UTC