I am a user case that does not own a phone or has a credit record in the US. However the thing, if you are using payments that always works is PayPals user veri

I am a user case that does not own a phone or has a credit record in the US. However the thing, if you are using payments that always works is PayPals user verification. Put a charge on a users card. Either add a code to the name of the merchant, or if unfeasible, charge 1.xy and ask the user for the xy.