If you are using a VPN/SOCKS proxy/ or Tor, your transaction will be blocked by out fraud controls. You must use a real residential IP and ideally one that is near the address where the card is registered to.
So what's the point of saying you are not asking for KYC if you demand real residential IP to be used?
If that information is connected with details and address from card we can't speak about privacy any more.
I understand if you are trying to prevent abuse of your Referal Scheme, but you can just cancel that for suspicious IP's instead of doing total ban.
Trying to make payments on a French card using an an American IP from a well known VPN provider, will not work
You don't think it's possible that someone from France is traveling with his card, and he uses your website from some random city in America?