First of all, so much text :pinch:
I have used prepaid cards in the past, via a Paypal account.
As soon as you try to make the first payment with your account, it usually asks you to verify the account like you stated.
Back then i wasn't able to verify it since i didn't have my own credit card.
After some days i decided i was going to try again, and for some magical reason it worked without verifying it.
I was able to use this account, paying with prepaid cars until they didn't trust me anymore since i added too much credit cards.
After this i got my own credit card but yea, give it a try^^