I always had problems with virtual cards too leading to payment processing, will try again today and update you. I don't understand how they catch me, I was able to give 10-15 weekly reviews on different accounts but once they catched me, now I can't anymore. I use mobile proxies on "new" old tablet, I am able to purchase anything, as soon as I purchase from one of my shops, they catch me and refuse the sale. I used the cards of my girlfriend for a long time with no issues, now even with the cards of her mother and uncle the payment goes into processing then declined. I saw here on BHW a guy that said is normal and 1 from 5 payment goes into processing and they ban your account for new customers and you need to message etsy to unblock, but I swear I was able to do this without any bans. And this is not something that I want, waiting 10 days to receive an answer from etsy per account.. I might have to also use a anty detect browser and try with another card, altough anty detect browsers are flagging you, because normal users don't hide this much.