call in and "preapprove" all transactions thru VerifiedByVisa (looks like the approval expires after a few days)
https://www.flyertalk.com/forum/31308624-post8.html


similar case for other cards,
eg chase sapphire, call-in to retrieve VbV pin # https://www.flyertalk.com/forum/23207882-post6.html

PAYG AT&T int'l, should be $0.50 to receive a text

all I can suggest is either use an AT&T phone with wifi calling (so you can receive text for free, but you still have to juggle the transaction isssue), use a dualsim phone (still need to pay for receiving AT&T text)

verizon has an app "Verizon My Numbers" that allows any device to receive text message/calls even if phone is off. AT&T has a similar app "AT&T message", but it doesn't work as well (need a supported AT&T phone, turned on in order to forward/sync received messages to app)