The normal payment + OTC conversion route works but the fees add up fast if the volume is small, OTC desks usually have minimums around 5k or higher anyway. For anyone just trying to get in with a card that gets declined, a better angle is P2P on a big platform where the seller takes the card risk, or just doing a bank transfer to a broker that supports it. Whatever you do, stay away from these no KYC virtual cards being shilled in this thread, the Trustpilot comment above is right, most of them vanish with your balance in a few months.