No easy solution other than implementing your own customer identity verification as payment prerequisite. Some platforms allow to do it, however end user experience has a lot of friction. User will get additional pop up with a bank login, where they enter/MFA through and select bank accounts to verify their card against.

Open Banking is the long term solution here. There are countries with relatively advanced legislation on that manner, so depending where you operate you might have full flow in the background through banks API (the only thing you need to capture is end user email for account/ID verification).