TL;DR: Start small. Match billing address + ZIP. Keep $20–30 on the card. Toggle 3DS if needed. If declined, switch BIN (US Visa ↔ HK Mastercard), lower limits, and avoid rapid retries.
Starter config
What setups have worked best for you?
Starter config
- BINs: Primary US Visa · Backup HK Mastercard
- Currency: USD
- Balance buffer: $20–30
- Limits: per-charge $20–50 · daily $50–200 · monthly = plan × 1.2–1.5
- 3DS: On first; A/B off if declines persist
- Declined / Do not honor: switch BIN, lower limits, wait 12–24h
- AVS mismatch: copy billing address & postal code exactly
- Insufficient funds: top up + FX/fee buffer
- 3DS required/failed: toggle 3DS or change BIN
What setups have worked best for you?
