Hello.
Credit and debit cards do not have two-factor authentication (2FA). You may have confused this with OTP - when, when paying with a card, the issuing bank sends an SMS code that must be entered into a special window. To bypass OTP, carders use cards with NON VBV bins or AUTO VBV bins, since cards with these bins do not send SMS to make payments. If you have a problem finding such bins, then you can pay with any cards on sites with the 2-D Secure payment system, since it also does not send SMS to complete the payment.
You noted correctly, in any case, almost always, you need to set an IP close to the cardholder. For example, for these purposes you can install socks5.
You can find out your card balance in the following ways:
1. Call the issuing bank with a substitution of the cardholder number (available in every bank)
2. Make an enroll (bank account according to CC data), log in and see the balance.
Buy elite types of cards. For example, gold, platinum, black, etc. It is assumed that the balance on them will be greater than on classic cards.