Hello.
You are using normal vbv card bins.
When you use non vbv bins or auto vbv bins of cards, then OTP will not climb out (SMS confirmation of payment).
Many bins from the public - telegrams and carding forums, it is written that they are non vbv, but in truth they no longer work or these are ordinary vbv bins.
Setting up your system doesn't really matter.
Try to find good and working non vbv or auto vbv bins of cards.