Non VBV (Non-Verified by Visa) refers to cards or payment methods that don’t require the extra Verified by Visa / 3-D Secure authentication step—like entering an OTP or password—before an online purchase is approved.
If your bank or region often blocks 3-D Secure payments, Vizovcc’s Non VBV Cards solve it instantly: get a crypto-funded, multi-currency VCC that’s 3-DS 2-ready for secure, frictionless local and global transactions.
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What Does “Non VBV” Mean?
Non VBV stands for “Non-Verified by Visa.” It describes a payment card that doesn’t ask for an extra password, code, or one-time message before completing an online purchase. These cards are easier and faster to use but have fewer safety checks. Because of that, they’re not as secure as cards that use verification steps like Verified by Visa or Mastercard SecureCode.
VBV / Verified by Visa Explained (OTP Basics)
Verified by Visa (VBV) is a security feature added by Visa to confirm that the real card owner is making the payment.
When you buy something online, VBV may ask you to:
✅ Enter a one-time password (OTP) sent by your bank,
✅ Confirm the payment through a mobile app, or
✅ Answer a security question linked to your card.
These steps make it much harder for anyone else to use your card information without permission.
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Can I Buy a Non VBV Credit Card?
The answer is "NO", But we can’t help with that.
Buying or using cards to bypass security is illegal and harmful. Requests for “Non VBV” cards sold on shady sites often lead to fraud, stolen funds, blocked accounts, and criminal charges. Vizovcc does not support or facilitate any activity that breaks the law or payment rules.
Why you shouldn’t try to buy one
✅ Many “Non VBV” offers are stolen or forged card data. Using them is fraud.
✅ Public BIN lists and “shops” are often traps or illegal marketplaces.
✅ Even if a payment goes through, chances of chargebacks, merchant bans, and legal trouble are high.
Legal, safe alternatives
If you want smoother online payments (no OTP problems, support for subscriptions, cross-border purchases), use legitimate options:
✅ Instant virtual cards (VCC): Get a verified VCC from a reputable provider for single-use or reloadable payments.
✅ Prepaid / gift cards: Legal, low-risk option for small purchases.
✅ Business merchant accounts / high-risk processors: For legitimate high-ticket or special-category sales, work with an approved provider.
✅ Local currency or multi-currency cards: Solve FX and local-bank decline issues without breaking rules.
How Vizovcc helps (what you can do right now)
1. Sign up and complete KYC (tiered options for different limits).
2. Top up with crypto or bank transfer.
3. Create an instant single-use or reloadable virtual card.
4. Use it for subscriptions, digital goods, or cross-border purchases with fewer declines — all within legal, monitored systems.
How Non VBV BINs and Auto-VBV BINs Work (plain, short & safe)
Non VBV BINs
Non VBV (Not Verified by Visa) are cards that do not support the additional authentication system. This means that when using such cards, you do not need to enter an SMS code or undergo other checks.
How does it work?
✅ No 3D Secure: Non VBV debit cards do not have the VBV/SecureCode system activated.
✅ Ease of use: Fraudsters can use such cards to make purchases on websites without additional verification.
✅ Target sites: Typically, these cards are used on sites that do not support 3D Secure (such as small online stores).
Why is this important?
✅ For fraudsters, Non VBV bank cards are more convenient, as they allow transactions to be made faster and with a lower risk of being blocked.
✅ However, many banks are gradually refusing to issue Non VBV card, as this reduces security.
Auto-VBV BINs
Auto-VBV (Automatic Verified by Visa) are cards that support the additional authentication system, but automatically pass it without user intervention.
How does it work?
✅ Automatic confirmation: The VBV system automatically generates and sends a one-time code that immediately confirms the transaction.
✅ Use on sites with 3D Secure: Such cards can be used even on sites that require additional authentication.
✅ Risks: Some banks or platforms may block such transactions if they detect suspicious patterns.
Example of use:
✅ The fraudster enters the card details on a website that requires VBV.
✅ The system automatically confirms the transaction without the need to enter a code.
✅ The purchase is completed successfully.
Difference between Non VBV and Auto-VBV
| Criterion |
Non VBV |
Auto-VBV |
| 3D Secure Support |
No |
Yes |
| Necessity of code |
No |
Automatic confirmation |
| Difficulty of use |
Simple |
Requires compatibility with VBV system |
| Risk of blocking |
Higher |
Below |
How Online Card Security Evolved (3-D Secure 1.0 → 2.0 → 2.2)
Online payment protection has improved over time:
✅ 3-D Secure 1.0: Added the first OTP or password checks, but many found it slow or confusing.
✅ 3-D Secure 2.0: Made the process smoother with fewer interruptions.
✅ 3-D Secure 2.2: The newest version can approve safe payments automatically if your bank recognizes your device or spending pattern.
So even if you don’t see a code request, your bank might still be protecting you in the background.
Card vs. Gateway: Why “Non VBV” Is Often Misunderstood
Many people think Non VBV means the card itself skips verification. In reality, it’s often the website’s payment gateway that decides whether to ask for extra security.
✅ Card level: The issuing bank decides if the card participates in 3-D Secure.
✅ Gateway level: The merchant’s payment processor decides whether to trigger the 3-D Secure challenge.
✅ Some gateways don’t support VBV, so the payment goes through without a code.
✅ Some banks automatically approve small or familiar transactions.
This mix-up makes people believe they’re using a special “Non VBV credit card,” when it’s usually just the payment system choosing a faster route.
Why People Search “Non VBV”
People often search for “Non VBV” because they face payment problems — declined cards, failed OTP codes, or blocked international transactions. In many countries, online payments can be frustrating when banks use strict security steps that stop even honest purchases.
For example, a customer in Turkey or Morocco might try to buy a digital service like Netflix, OpenAI, or Spotify, only to see their bank reject the payment due to extra verification or local restrictions. So, when users type “non vbv,” they are usually looking for a smoother and faster way to pay — not necessarily to avoid security, but to avoid unnecessary roadblocks.
That’s where Vizovcc virtual cards help. Our Bin credit card support both local and international merchants while keeping payments safe and easy — no blocked OTPs, no failed transactions, just fast approval and complete control.
Legitimate Reasons People Search for “Non VBV”
1. Easier Online Payments: Some users want a card that works for everyday transactions without delays or failed OTPs, especially when paying on international websites.
2. Subscription & App Payments: People often struggle to renew or subscribe to online services like ChatGPT, Netflix, or Spotify when their bank adds extra verification that doesn’t work properly. A reliable virtual card solves this instantly.
3. Prepaid or Gift Card Use: Many look for prepaid or virtual cards that can be topped up with crypto or local currency. These are commonly called “Non VBV” because they offer simple, direct payments without long verification steps.
4. Cross-Border Purchases: In some countries, local banks block foreign transactions. A credit card bin with global acceptance allows customers to pay smoothly in USD, EUR, TRY, or MAD without bank restrictions.
👉 Vizovcc Solution: With Vizovcc, users get High Balance Non VBV CC or Mastercard options that are globally accepted and support 3D Secure for protection — but without unnecessary payment blocks or OTP errors.
Risky or Misleading (“Carding” or BIN Misuse)
At
Vizovcc, we strictly follow
KYC (Know Your Customer) and
AML (Anti-Money Laundering) rules. We never promote or support the use of stolen cards, BIN lists, or unauthorized transactions.
Instead, Vizovcc focuses on legal and safe payment solutions that protect both the buyer and the merchant. We help genuine users who simply want smoother, more reliable transactions for daily online payments — all while keeping compliance, privacy, and security in place.
Risks & Merchant Impact of Accepting Non VBV Transactions
Accepting payments without an extra verification step can feel faster, but it often shifts more risk onto the business. Below are the key areas to understand and how to reduce exposure while keeping checkout smooth.
Fraud, Chargebacks & Liability (Who Bears Risk)
Higher fraud exposure: Without an extra check (like a one-time code), stolen card details are easier to use.
More chargebacks: If a payment turns out to be unauthorized, the customer’s bank can reverse it.
Who pays:
✅ With a verified checkout (3-D Secure): The bank that issued the card usually takes the loss on confirmed fraud.
✅ Without it (Non VBV flows): The merchant often takes the loss, plus dispute fees and possible account penalties.
✅ Hidden costs: Time spent answering disputes, higher processing fees, and even account termination if your chargeback rate climbs.
Practical tip: Use the extra check for risky orders (new device, first-time buyer, high ticket) while keeping low-risk orders fast. Vizovcc supports this balanced approach.
Regulatory Context (EU PSD2/SCA; Turkey, UK, Canada)
European Union (PSD2/SCA): Many online card payments must use strong customer checks. There are exemptions (small amounts, trusted customers), but you need the right setup to use them.
United Kingdom: Follows similar strong-auth rules for most online card payments.
Canada: Banks and processors push for strong checks and fraud controls, even where rules are lighter than the EU.
Turkey and other markets: Extra checks can be strict; cross-border payments sometimes fail due to local rules or bank settings.
What this means for you: If you sell into these regions, plan for strong checks by default and use exemptions only when allowed. Vizovcc cards work with modern verification so you can keep approval rates high without ignoring local rules.
How Modern Fraud Tools Reduce Risk (Keep It Simple, Not Slower)
You don’t have to choose between safety and speed. Combine a few quiet checks in the background, and only challenge when something looks off:
Address checks (AVS): Compare billing address or ZIP/postcode with the bank’s records.
Card security code (CVV): Require the 3-digit code to prove the buyer has the card details.
Device & location checks: Look for familiar devices and normal locations; flag weird changes.
Velocity limits: Stop rapid-fire attempts, repeated declines, or many cards from the same device.
Order history & cart rules: Tighten checks for first orders, new accounts, or unusually large baskets.
Step-up only when needed: Trigger the one-time code or bank-app confirmation for risky orders; let trusted ones flow.
2-DS vs 3-DS Gateways: What Merchants & Developers Need to Know
Online payments can follow two main paths: 2-DS (old style) and 3-DS (modern, Verified by Visa / Mastercard Secure Code). The difference comes down to how much the bank checks who is making the purchase.
2-DS (Legacy) Behavior & Typical Use Cases
A 2-DS gateway is the older type of checkout flow. When a customer pays, the store simply sends the card number, expiry, and CVV to the bank. If the card has money and the details match, the bank approves it—no text code, app message, or password needed.
Typical places you still see 2-DS:
✅ Small local webshops using older systems.
✅ Fast digital checkouts such as low-value top-ups or gift cards.
✅ Markets where banks have not fully rolled out newer verification rules.
It’s fast, but there’s a trade-off: fewer safety checks and higher fraud risk. Merchants using 2-DS often face more chargebacks or blocked merchant accounts.
3-DS and Frictionless 3-DS (When the OTP Is Skipped Legitimately)
3-DS adds a quick identity check from the cardholder’s bank. Normally this means a text code, push notice, or bank-app tap before the payment finishes. It protects both sides and can shift fraud liability away from the seller.
With newer versions, the system looks at simple details—device, amount, location, and past history—to judge risk.
If everything looks normal, the bank quietly marks the payment as safe and lets it go through without showing the OTP screen. This is called a frictionless checkout, and it’s completely legitimate.
So you still get the speed of 2-DS, but with the safety of 3-DS. Our virtual cards work with these modern gateways, so your payments pass smoothly while staying protected.
Auto-VBV Myth — Why Gateways, Not Cards, Control the Challenge Flow
Many people think some cards are “auto-VBV,” meaning they always skip the security step by themselves.
That’s not true. The decision to show or skip the verification comes from the payment gateway and the bank’s system, not from the card.
Here’s what really happens:
✅ The gateway decides when to request a verification step.
✅ The bank checks the risk score and either shows an OTP screen or quietly approves it.
If both systems trust the transaction, it flows through automatically. If anything looks odd, the bank will still ask for confirmation.
Local Chapter: Typical Non VBV Problems & Solutions by Region
Turkey (TRY): Common Checkout Declines for Subscriptions (ChatGPT, Netflix)
Many Turkish cards fail on foreign sites like ChatGPT Plus, Netflix, or Spotify because banks enforce strong 3-D Secure rules. Payments requiring SMS codes or app confirmation often fail when the system doesn’t recognize a Turkish number or gateway.
Vizovcc Solution:
✅ TRY Virtual Cards that support both local and international merchants.
✅ Crypto and TRY funding for fast reloads without local bank limits.
✅ 3-DS2 routing for frictionless payments—no random OTP failures.
✅ Works instantly on recurring platforms like Netflix, ChatGPT Plus, and Apple subscriptions.
United States: Merchant-Side Chargeback Patterns, Small-Ticket Digital Goods
U.S. merchants often face chargebacks on small online purchases (VPNs, software keys, or digital goods). Customers file disputes after quick buys, hurting merchant trust and payment success rates.
Vizovcc Solution:
✅ Instant Visa/Mastercard VCCs with Non VBV Bins USA that pass AVS (Address Verification).
✅ Tokenization support—securely store card data for subscriptions or API billing.
✅ Reduce fraud exposure with built-in 3-D Secure 2.2 support for merchants.
✅ Ideal for businesses selling recurring or micro-digital products safely.
UK / EU — PSD2 / SCA Compliance & Frictionless 3-DS
Under PSD2’s Strong Customer Authentication (SCA) rules, most online payments require multi-step verification. This causes failed payments, especially for recurring charges or foreign users.
Vizovcc Solution:
✅ SCA-ready virtual cards that fully meet PSD2 standards.
✅ Support for frictionless 3-D Secure 2.2, allowing repeat or trusted payments to go through smoothly.
✅ Clear flow guidance for merchants—reduce cart abandonment while staying compliant.
✅ Accepted across all major EU payment gateways and fintech platforms.
Morocco / Algeria / North Africa — Limited VBV Adoption & Currency Barriers
Many banks in North Africa still don’t support Verified by Visa or modern online card checks. International payments are often blocked, and local cards struggle with multi-currency transactions.
Vizovcc Solution:
✅ Multi-currency virtual cards (MAD, USD, EUR) for global acceptance.
✅ No dependency on local banks—fund via crypto or e-wallets.
✅ User-friendly dashboard for spending control and real-time exchange rates.
✅ Helps residents bypass cross-border restrictions while staying safe and verified.
Poland / Eastern Europe / Russia — Local BIN Behavior & Acceptance Patterns
Regional cards often fail on Western sites due to BIN mismatches or country-based restrictions. Some local cards don’t support 3-DS2 or have strict KYC limits.
Vizovcc Solution:
✅ Local currency virtual cards (PLN, RUB, EUR) for region-specific acceptance.
✅ Flexible KYC levels: start with light verification, upgrade for higher limits.
✅ Works smoothly on Western merchants like Google, Netflix, or Steam.
✅ Ideal for freelancers and online shoppers in Eastern Europe looking for reliable cross-border payments.
Legitimate Use Cases for Non VBV-Style Flows
Non VBV-style payments make online checkouts faster and smoother when transactions are safe and low-risk. Here’s where they’re commonly and legitimately used.
Recurring Subscriptions / Automated Low-Risk Payments
Services like ChatGPT Plus, Spotify, or Microsoft 365 use “trusted merchant” billing. These recurring payments skip OTP prompts so renewals happen automatically without interruption. Vizovcc cards support tokenized recurring payments with smooth 3-DS2 routing.
Prepaid & Gift-Card-Style Flows
Digital stores and gaming sites like Steam, PlayStation, or Uber Eats often use prepaid or single-use cards without full 3-D Secure checks. Vizovcc virtual cards work the same way—ideal for quick digital purchases or trials.
Cross-Border Micro-Transactions
Small cross-border payments (like $5–$10) often fail due to local OTP systems or gateway mismatches. Vizovcc’s multi-currency virtual cards (USD, EUR, TRY, PLN, MAD) ensure frictionless global payments, even for low-value purchases.
How Merchants Can Accept Payments Safely (Practical Checklist)
Merchants don’t need to fear Non VBV-style transactions — they just need the right setup. Here’s a simple checklist for accepting payments safely while keeping checkout fast and user-friendly.
Use Risk-Based Authentication + Tokenization
Adopt gateways that support 3-D Secure 2.2 with risk-based authentication. It only challenges high-risk payments and keeps safe ones frictionless. Pair this with tokenization so returning customers can pay without re-entering details — secure and smooth at once.
Implement Velocity & Device Checks
Set limits for how often a card can be used within a short time. Combine this with device fingerprinting to detect when multiple cards or browsers come from the same user. It’s an easy way to stop abuse without adding friction for real buyers.
Use Conditional 3-DS Challenges
Configure your system to trigger 3-DS challenges only when it makes sense — for example, when a payment exceeds a set amount, comes from a risky IP, or shows unusual purchase behavior. Most modern processors allow these “smart” triggers.
Why Vizovcc Virtual Cards Are the Safe Solution for Users & Merchants
Vizovcc offers instant virtual card issuance — ready to use within minutes. Fund your card with BTC, USDT, or ETH, and choose between reloadable or single-use options. Designed for global accessibility, Vizovcc supports multi-currency cards (USD, EUR, GBP, TRY, and more) for effortless international transactions.
Security First: 3-DS2, Tokenization & Compliance
Every Vizovcc card is built with 3-D Secure 2.0, ensuring strong customer authentication under PSD2 standards. We apply advanced tokenization and maintain PCI DSS compliance, minimizing data exposure during transactions. Combined with KYC/AML adherence, users and merchants both enjoy a trustworthy and regulation-aligned ecosystem.
Local Benefits: Currency Options & Real-World Usability
We provide region-specific card currencies to match your local spending habits — from TRY and EUR to USD and GBP. This enables smooth payments for popular services like ChatGPT, Netflix, or Airbnb, even in restricted regions. Whether you’re paying in local or foreign currency, Vizovcc ensures instant authorization and low FX friction.
Merchant Advantages: Frictionless Payouts & Reduced Risk
For merchants, Vizovcc streamlines cross-border operations with frictionless payouts, tokenized routing, and 3-DS2-based authentication flows. This setup significantly lowers dispute exposure, enhances authorization rates, and simplifies subscription billing. It’s a modern, scalable solution designed to benefit both sides of the payment network.
Step-by-Step: Use a Vizovcc Virtual Card Right Now
Getting started with Vizovcc takes just a few minutes. Here’s how you can create, fund, and use your virtual card securely for any online purchase or subscription.
Create Account & Choose KYC Tier
Sign up on Vizovcc’s platform and pick your KYC level — from quick access (basic verification) to full compliance for higher limits. Each tier gives you flexibility based on your country and intended use.
Top-Up with Crypto, Bank, or E-Wallet
Add funds instantly using BTC, USDT, or ETH, or choose traditional top-ups like bank transfer or e-wallet. Your balance updates immediately and can be used across all supported currencies.
Issue an Instant VCC
Create a single-use card for short-term or one-time transactions, or a reloadable card for recurring payments such as ChatGPT Plus, Netflix, or SaaS subscriptions. The card number, CVV, and expiry are generated instantly and ready for checkout.
FAQ: Non VBV & Vizovcc Virtual Cards
What is Non VBV?
Non VBV means Non-Verified by Visa — a card or gateway that doesn’t require an OTP or extra verification step during checkout. It allows faster transactions while still relying on the bank’s internal fraud checks.
How is Non VBV different from VBV and 3-DS?
VBV (Verified by Visa) and 3-DS (3-D Secure) add extra layers of authentication, like OTPs or app confirmations. Non VBV skips that extra step, making payments quicker but potentially less secure unless backed by advanced fraud tools.
Are Non VBV cards illegal?
No. Banks can legally issue cards without the VBV feature in certain markets. What’s illegal is using any card, VBV or not, for fraudulent or unauthorized activity.
How do I check if a card is VBV?
Ask your card-issuing bank directly or use a verified BIN lookup API from your payment processor. Avoid public “BIN lists” online—they’re often outdated or misleading.
Can I still shop safely if a site is Non VBV?
Yes, if you follow safe practices:
✅ Only shop on trusted, HTTPS-secured sites.
✅ Avoid saving card details on merchant pages.
✅ Use disposable or single-use virtual cards for unknown merchants.
What are the differences between a VBV and a Non VBV Mastercard?
A VBV (Verified by Visa) card adds an extra step like a one-time password (OTP) or bank app confirmation before approving an online payment. A high balance Non VBV BINs card skips this extra check, making transactions faster but slightly less secure. VBV protects merchants and cardholders from fraud, while Non VBV focuses on convenience and smooth checkout experiences.
What’s the difference between a 2DS gateway and a 3DS gateway?
A 2DS gateway is an older payment system that doesn’t support extra verification (no OTP or app prompt), so payments go through instantly. A 3DS gateway adds authentication — it can either ask for an OTP (3DS1) or use risk-based approval without disturbing the user (3DS2). In short: 2DS is faster but less secure, while 3DS balances safety and ease of use.
Why do some merchants not use VBV?
Some prefer faster checkout flows, especially for low-value or recurring payments where OTPs can disrupt conversions. Others operate in regions where VBV or 3-DS isn’t fully supported.
How does Vizovcc protect me from fraud?
Vizovcc uses 3-DS2 security, tokenization, and real-time fraud monitoring. Even when payments are frictionless, transactions are verified through encrypted device, IP, and behavioral checks.
Can Vizovcc virtual cards be used for subscriptions like Netflix or ChatGPT?
Yes. Vizovcc supports both recurring and one-time payments. You can subscribe to services like ChatGPT Plus, Netflix, Spotify, or Adobe without payment errors or 3-DS blockages.
Do Vizovcc cards work in my country?
Yes. Vizovcc supports global users, including:
✅ Turkey: TRY cards for Netflix, ChatGPT, e-Visa.
✅ Morocco & Algeria: MAD cards for international shopping.
✅ Poland & EU: PLN/EUR cards with PSD2-ready compliance.
✅ USA: USD cards for SaaS, gaming, and business payments.
What to do if a Vizovcc transaction is declined?
Check your available balance, merchant currency, and card status. If it still fails, try switching to another currency card or contact Vizovcc support for instant help — declines are usually fixed within minutes.
How do I get customer support for my virtual AstroPay card?
Getting the assistance you need for our virtual AstroPay card can be a straightforward process with the right resources at hand.
