My Facebook Ads account is currently unable to process payments—every charge attempt stalls with the generic “payment not processing” notice in Business Manager. I have not experimented with fixes yet, so you will have full freedom to troubleshoot from a clean slate. Your task is two-fold: 1. Diagnose and clear whatever is blocking payments in Business Manager. 2. Reconfigure the account so future spends are handled through Facebook’s manual payment option, funded by bank transfer. I can provide Business Manager access, recent billing screenshots, and my bank details once you outline the exact steps you’ll need from me. Completion is confirmed when the payment error is gone and the manual-funding balance shows a successful top-up via bank transfer, allowing new campaigns to run without interruption.