I am curious. Are the virtual credit cards (VCC) that you’re using provided by a fintech company (Privacy.com) that essentially does only that, or are they provided by the bank?
Although this is complete speculation, I would not be surprised if the VCCs provided by fintech companies are more detectable than the ones provided by banks, especially legacy banks that have been established for many decades.
That being said, I know that Notesnook stopped supporting Privacy.com’s cards for some reason. I don’t know if they work again now. I don’t use Privacy.com, but the VCC that I used for Notesnook, which is provided by a bank, stopped working on my 2nd or 3rd year of being a paid subscriber.
When I tried re-creating a new card, it didn’t work either, and I don’t know why. As a result, I had to switch to PayPal, and you know what’s really messed up? The credit card that is linked to my PayPal account is a VCC from the same provider, and yet the payment went through. So this doesn’t make sense to me.
It is possible that your payments are being blocked by the payment processing company. Notesnook uses Paddle. Most of the services I use use Stripe. You should investigate if that is the issue. When I contacted Paddle, they never responded back.