That is a question for Visa/Mastercard/Governements. if the card API says "this name is a legal person and not some prepaid card" itch has to trust it... Good luck to hackers crating multiple fake cards and spending $100 to get a gold badge and trick 5 people!
Its actually very simple to promote real persons over hackers... account activity over 5 years with 100+ downloads, Commenting on the forum replying with non AI answers. Etc. Filing VAT paperwork. Taking out money to an account that matches your card name and is not flagged as criminal. etc etc etc forever.