[segmondy]

As someone in the payment industry, find a processor/payfac that specializes in this. They handle all that complexity, they will have multiple processors/banks in the backend to find out who will accept the card. Your frustration is due to lack of who to use, all the pros use such processors. It's pretty much transparent, they also have massive fraud systems, and since they process for tons of sites, if they notice a card doing fraud/multiple chargebacks across different sites, they put a stop to it quickly.