Credit card payment failures over VPN

LaatSahab

Herald
I have faced this issue numerous times when I try to make a payment online; it fails even after providing the correct OTP. A few Reddit threads suggested that it is inevitable due to CC companies' fraud prevention and detection systems, particularly where the payment request is generated from a different country than the registered address country of the card. I have been using the free version of Proton VPN, which does not let me change the connected server. If anyone else has faced a similar issue, would switching to an Indian server allow the payment to process?
To do that, it would require buying the subscription to the service, but if it could be confirmed whether this trick would work or not, it would save the subscription cost based on trial and error.
 
I'm really curious why you would want to do this but anyways just use Cloudflare WARP. It works like a VPN and your public IP will be replaced with that of a Cloudflare server.