Vendors
Merchant database — success patterns, declines, and 3DS. Operational asset from day one.
Registered vendors
11
Avg success rate
94%
↑ 94%average across all vendors
Needs 3DS
4
↑ 4 vendorrequires verification
Tier 3 (ring-fenced)
1
↑ 1 vendorclosely monitored
T1Tier 1 · SafeFixed subscriptions, low ban risk
OpenAI
AI Tools
Success rate99%
Attempts142
No 3DSSmooth. Healthy recurring.
Anthropic
AI Tools
Success rate98%
Attempts96
No 3DSStable, rarely declines.
Perplexity
AI Tools
Success rate97%
Attempts64
No 3DSSafe.
M
Midjourney
AI Tools
Success rate94%
Attempts88
Needs 3DSOccasionally triggers 3DS on first charge.
ElevenLabs
AI Tools
Success rate96%
Attempts51
No 3DSSmooth.
H
Higgsfield
AI Tools
Success rate92%
Attempts33
Needs 3DSAdditional verification for new accounts.
Figma
Design
Success rate99%
Attempts77
No 3DSAnnual, very stable.
Notion
Productivity
Success rate99%
Attempts59
No 3DSSafe.
T2Tier 2 · CautionCloud usage-based, fluctuating billing
Vercel
Cloud & Infra
Success rate95%
Attempts40
No 3DSUsage-based, set a cap.
AWS
Cloud & Infra
Success rate90%
Attempts36
Needs 3DSFluctuates. Must review billing.
T3Tier 3 · Ring-fenceSpend scales fast, chargeback & ban prone — ring-fence from v0 or track separatelyRing-fence
Meta Ads
Ads
Success rate71%
Attempts22
Needs 3DSRing-fenced. Ban & chargeback prone.
All vendors
Sorted by tier then highest success rate.
| Vendor | Category | Tier | Attempts | 3DS | Success |
|---|---|---|---|---|---|
OpenAI | AI Tools | T1 | 142 | No 3DS | 99% |
Figma | Design | T1 | 77 | No 3DS | 99% |
Notion | Productivity | T1 | 59 | No 3DS | 99% |
Anthropic | AI Tools | T1 | 96 | No 3DS | 98% |
Perplexity | AI Tools | T1 | 64 | No 3DS | 97% |
ElevenLabs | AI Tools | T1 | 51 | No 3DS | 96% |
MMidjourney | AI Tools | T1 | 88 | Needs 3DS | 94% |
HHiggsfield | AI Tools | T1 | 33 | Needs 3DS | 92% |
Vercel | Cloud & Infra | T2 | 40 | No 3DS | 95% |
AWS | Cloud & Infra | T2 | 36 | Needs 3DS | 90% |
Meta Ads | Ads | T3 | 22 | Needs 3DS | 71% |