What countries are associated with NON-VBV cards?

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NON-VBV (Non-Verified by Visa) cards are bank cards that do not support 3D Secure technology (e.g. Verified by Visa or Mastercard SecureCode). This means that when using such cards for online payments, no additional authentication is required (e.g. entering a code from an SMS or push notification).

Countries where NON-VBV cards are common usually have a less developed infrastructure for implementing security technologies or banks that do not require the mandatory use of 3D Secure. However, it is important to keep in mind that the situation may change over time, as payment systems and regulators strive to improve security.

Countries most commonly associated with NON-VBV cards​

1. Africa​

Many African countries have low levels of adoption of security technologies such as 3D Secure. Examples:

• Nigeria
• Kenya
• Ghana
• South Africa (although the situation here is improving)

In these countries, banks often issue cards without 3D Secure support, especially for domestic use.

2. South America​

NON-VBV cards are also found in Latin America, especially in regions with less developed banking systems. Examples:

• Brazil (although many banks are implementing 3D Secure)
• Colombia
• Argentina
• Mexico

3. Southeast Asia​

In Southeast Asian countries, you can also find cards without 3D Secure support, especially in less developed regions. Examples:

• Indonesia
• Philippines
• Vietnam
• Thailand

4. Russia and CIS countries​

In Russia and the CIS countries, the situation is changing: most banks have already implemented 3D Secure, but some cards (especially old ones or those issued by small banks) may be NON-VBV. Examples:

• Russia
• Ukraine
• Kazakhstan
• Belarus

5. Other regions​

• India: Although many banks are implementing 3D Secure, NON VBV cards can be found in some regions.
• Turkey: Some banks issue cards without 3D Secure support.

Reasons for the prevalence of NON-VBV cards​

1. Insufficient technology adoption:
   • In some countries, banks do not require the mandatory use of 3D Secure.
2. Outdated maps:
   • Cards issued before the introduction of 3D Secure technology may remain in circulation.
3. Local markets:
   • In some countries, stores and services prefer to work without additional authentication to simplify the payment process.
4. Limited access to technology:
   • In developing countries, banks may not have the resources to implement modern security technologies.

How to check if a card is NON-VBV?​

To check if your card supports 3D Secure, you can use the following methods:

1. BIN code (first 6 digits of the card number):
   • Use BIN-checker services to get information about the card type and security level.
2. Try payment:
   • When you try to make an online payment, the system will show you whether additional authentication is required.

Risks of using NON-VBV cards​

• For users:
  • NON-VBV cards are less protected from fraud, so it is important to monitor your transactions carefully.
• For merchants:
  • Accepting payments from NON-VBV cards increases the risk of fraud, so many merchants prefer to work only with cards that support 3D Secure.

Conclusion​

Countries with NON-VBV card distribution are usually in regions with less developed banking infrastructure or limited implementation of security technologies. However, the situation is constantly changing as payment systems and banks strive to improve the level of protection.

If you have a specific question about NON-VBV cards or their use, write - I will try to help within the legal context!

 

[Man]

Countries associated with NON-VBV cards (2025)​

NON-VBV (Non-Verified by Visa) are cards that are not protected by the 3D-Secure (Visa) or similar (Mastercard SecureCode) system. They have historically been popular with fraudsters due to their simplified authorization of online payments.

1. Main source countries of NON-VBV maps​

(1) Countries without mandatory 3D-Secure​

• US – Many banks still do not require 3DS for domestic transactions.
• UK – Some issuers are switching off 3DS for the convenience of customers.
• Canada – Similar to US, especially for smaller banks.

(2) Regions with weak regulation​

• Nigeria – Local banks rarely implement 3DS, cards often end up on the dark web.
• India – Debit cards without 3DS (especially regional banks).
• Vietnam, Indonesia – Some issuers do not enable 3D-Secure.

(3) Offshore zones​

• Cayman Islands - Non-Resident Cards without Strict Verification.
• Panama - Offshore banks with simplified rules.

2. How do scammers use NON-VBV cards?​

1. Carding transactions – Purchases in stores without a 3DS request (e.g. digital goods).
2. Cashing out via crypto – Transfer to exchanges with weak KYC (Binance P2P until 2023).
3. Subscriptions – Payment for services (VPN, hosting) with subsequent chargeback.

3. How do banks and payment systems combat NON-VBV?​

• Forced implementation of 3DS 2.0 (Europe).
• Behavior analysis (e.g. PayPal blocks payments from NON-VBV cards from Nigeria).
• Lowering limits for transactions without 3DS.

4. Alternatives for legal use​

If you need cards for international payments without fraud :
Revolut/Wise virtual cards – 3DS support, low fees.
Cryptocurrency debit cards (Bybit, BitPay) – Anonymity + protection.

Important!​

Using NON-VBV cards for fraud is a criminal offense (18 US Code § 1029). Banks and Visa/Mastercard actively cooperate with Interpol to block such transactions.

Conclusion: NON-VBV cards are gradually disappearing due to tightening regulations. If you need a secure payment instrument, choose legal options.