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> All I can say is that it's likely that he was either using a virtual card or his identity was tied to a previously suspended account.

> After doing a bit of research, I discovered that the number that is generated in the wallet app (the only way you can get your card number for the Apple Card) is, infact, a virtual card.

This seems like the likely cause.

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But as stated elsewhere on this post, Google's official policy states that virtual cards are accepted.

https://support.google.com/google-ads/answer/2375433

Credit cards and debit cards -> Make a payment with a one-time use credit card

>In addition to regular credit cards, you can also use a one-time use credit card (also known as virtual credit card). It's commonly used as an alternative to physical credit cards when making online payments.

Why does Google hate virtual cards though? It's an anti-fraud mechanism. Google's declaring that using an anti-fraud mechanism is in fact an indication of fraud?

Probably because you can hide the same underlying account number, so you can burn virtual cards on new fraud accounts without the additional cost of setting up new underlying accounts.

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