[BUG] Billing/payment system rejects valid cards for API credit purchase — support chat (Fin) closes tickets without resolution

### Preflight Checklist

- [x] I have searched [existing issues](https://github.com/anthropics/claude-code/issues?q=is%3Aissue%20state%3Aopen%20label%3Abug) and this hasn't been reported yet
- [x] This is a single bug report (please file separate reports for different bugs)
- [x] I am using the latest version of Claude Code

### What's Wrong?

I'm unable to purchase API credits on console.anthropic.com. Payment fails with "Payment to Anthropic, PBC did not go through" despite trying two different credit cards from two different banks. Both cards successfully pass 3D Secure authentication, and my banks confirm no block or decline attempt on their end — the transaction doesn't even register as an attempt.

Troubleshooting already completed:
- Billing address verified to match bank records exactly
- Business/VAT tax ID field left empty
- Tried multiple browsers, cleared cache and cookies
- No VPN in use
- Confirmed Israel is a supported billing location
- Tried two separate cards from two different banks — same decline on both

Support experience: I contacted support.claude.com multiple times over several days. Each time, the Fin AI agent responded with the same generic troubleshooting article, despite explicitly stating I had already completed every step. When I requested human escalation, conversations were closed without resolution — in one case, before I even had a chance to reply.

Details:
- Country: Israel
- Amount attempted: $5.00 (smallest credit option)
- Dates/times: July 25, 2026, ~21:12–21:22 Israel time (GMT+3), multiple attempts since
- Error reference: request_id req_011CdPEAwMnJkjodcRw3iHXZ

### What Should Happen?

Payment should process normally, or support should escalate to a human agent instead of closing the ticket repeatedly with the same automated response.

### Error Messages/Logs

```shell
Payment to Anthropic, PBC did not go through.
request_id: req_011CdPEAwMnJkjodcRw3iHXZ
```

### Steps to Reproduce

1. Go to console.anthropic.com → Billing/Credits
2. Select $5 credit amount
3. Enter valid card details (tried 2 different cards from 2 different banks)
4. Leave VAT/tax ID field empty
5. Submit payment
6. Payment fails with "Payment to Anthropic, PBC did not go through"
7. Contact support.claude.com — Fin AI agent repeats the same generic troubleshooting article regardless of context, and closes the conversation without human escalation

### Claude Model

None

### Is this a regression?

No, this never worked

### Last Working Version

_No response_

### Claude Code Version

N/A - this is a billing/console issue, not related to Claude Code CLI

### Platform

Anthropic API

### Operating System

macOS

### Terminal/Shell

Terminal.app (macOS)

### Additional Information

_No response_

This report names no Claude Code file, test, or entry point and explicitly concerns console.anthropic.com billing rather than the repository. Start by confirming the issue is outside Claude Code; there is no repository-scoped completion criterion or code path identified in the report.

Written by the indexing model from the issue text.