HI- Heres where "I think" the confusion is coming in...
a.) Ebay is now verifying even some new buyers via credit card
b.) Vanilla never worked for me after January for Paypal
c.) it DID work for ebay
d.) Now, after 2/5- it does NOT work for ebay either (for me), tried at various libraries
e.) I believe that Paypal is now doing the online verification for Ebay, as well
So- theres really 1 program verifying the Card info/ and for some reason, they do not like the Vanilla "VISA" at this point (for me anyhow)...
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