I have this problem for several months.
It's really complicated to not be able to use the virtual cards.
Today, it's at Orange (French Mobile Provider) that we can't pay anymore, bunq refuses the payment because the "card is blocked".
I tried to block it and unblock it and generate a new CVC, but the payment is always refused. It's marked "card blocked" on the page to make the 3DS.
bunq claims to be working on a patch for several weeks.
How can it take so long? I have the feeling that it's easier to increase the pricing than to fix a bug that gives problems to many customers.
The problem with physical cards with bunq, you can't block remote payments like at N26, Revolut or others. The card is completely active or it is completely blocked.
If you could block remote payments, you could use the physical cards until bunq fixes the problem one day...
I have the problem at 7 merchants until today. Always at known merchants like Amazon, PayPal, Nintendo, Orange... All of them do 3DSecure, and bunq instead of offering the 3DS secure writes on their page that the card is blocked ( https://acs.touch.tech/v1/emv3ds/challenge ).
One person explained to me that ACS stands for Access Control Server. This is the service that is declared by the card issuer to the Mastercard network to do the strong authentication (SCA aka. 3DSecure).
The ACS is Stripe's, as if bunq subcontracted Stripe to do the strong authentication. So bunq does not manage this service and delegates to an external company.
It would be nice if bunq could tell us if the problem is with them, or if it's a bug with their chosen partner (Stripe), and what they plan to do to fix the problem.
