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it might be the ccv number on back.
i only had a virtual visa access as my real card was never activated when the whole epass thing happened, so i called the bank, they gave me a new card number and still it would not work.
so i called them again and they said it was the ccv number on back. they issued me a new one in a few days and everything worked fine.
two other things- visa virtual never worked when i tried to use CCbill or paypal.
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