Any suggestions of an unverified card that will be accepted for recurring/membership charges?  I'm having a heck of a time with Lavapay's Visa Virtuon and don't want to have to waste any more money unless I'm *sure* it's going to work...

It is going to work but make sure a small excess of money is going to be in the card at the expected time of the transaction. The card service might be getting a monthly fee and this might make it so your card doesn't have enough balance, especially if the charge is automatic.