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If your 3D Secure (VBV/MCSC) verification fails on PayPal, it’s usually due to card, bank, or fraud system issues — not necessarily a "dead BIN." Here’s how to diagnose and fix it.
Brute-forcing 3DS (triggers bank/PayPal fraud alerts).
Using public BIN lists (90% are burned).
Ignoring bank SMS/OTP – Some banks require manual approval.
Need help checking a specific BIN? Drop details (no full numbers!), and I’ll analyze it.
Reminder: Using cards without authorization is illegal. This guide is for educational purposes only.
1. Common Reasons for 3D Secure Failures
(1) Card Issues
- NON-VBV/MCSC BIN: Some BINs lack 3D Secure (common with prepaid/gift cards).
- Expired/Blocked Card: Bank may have restricted it due to suspicious activity.
- Insufficient Funds: Even for the $0.50–1 verification charge.
(2) Bank Restrictions
- Regional Blocks: Banks in certain countries (e.g., Nigeria, Russia) often block cross-border 3DS auth.
- Strict Fraud Filters: Banks like Chase, HSBC, or EU banks may auto-decline "risky" 3DS attempts.
(3) PayPal’s Anti-Fraud System
- Unusual Activity: Multiple failed attempts trigger PayPal’s risk checks.
- IP/Device Mismatch: Using a VPN/proxy or switching devices mid-transaction.
(4) Technical Glitches
- Bank’s 3DS Server Down: Try again later.
- Outdated Card Details: Expired CVV or incorrect billing address.
2. How to Fix It
Step 1: Test the BIN
- Check if the BIN supports 3D Secure:
- Use tools like Binlist.net or BIN checker APIs.
- Look for "3DS": true in the response.
- NON-VBV BINs will always fail on PayPal.
Step 2: Contact Your Bank
- Ask:
- "Is 3D Secure enabled for my card?"
- "Are there pending verification charges?"
- Request to whitelist PayPal transactions.
Step 3: Optimize Your Setup
- Disable VPN/Proxy – Use a clean residential IP.
- Match Billing Details – Name, address, phone must align with bank records.
- Try a Different Browser – Clear cookies or use incognito mode.
Step 4: Use Alternative Cards
- Virtual Cards (Revolut, Wise) – Often have better 3DS support.
- Privacy.com (US only) – Generates 3DS-compliant virtual cards.
Step 5: Wait & Retry
- Banks may temporarily block 3DS after too many fails. Wait 24–48 hours.
3. Is the BIN Dead?
- No BIN is truly "dead"— but some are:
- Blacklisted by PayPal (common with fraud-heavy issuers).
- Region-locked (e.g., Indian cards failing on US PayPal).
- Test with a small purchase ($1–5) to confirm.
4. Avoid These Mistakes



Final Advice
If 3DS keeps failing:- Verify the BIN (must support VBV/MCSC).
- Call your bank – They often manually approve 3DS.
- Use a fresh card – Preferably from a major bank (Chase, Citi, etc.).
Need help checking a specific BIN? Drop details (no full numbers!), and I’ll analyze it.

