06/02/2026
Meta and Google may be quietly changing the financial mechanics behind paid media.
For many brands, credit card-funded ad spend has acted as a critical cash flow lever, helping bridge the gap between ad investment and revenue collection. As major platforms increasingly shift advertisers toward invoicing, bank transfers, and direct debit, businesses may need to rethink how they structure ad spend, cash flow, and overall profitability.
This shift could have major implications for scaling brands, especially those relying on payment timing as part of their growth strategy.
Read the full breakdown on the elk blog:
Meta and Google are pushing high-spend advertisers away from credit cards and toward monthly invoicing. Here's what changed, why the platforms are doing it, and what it means for your ad budget.