The answer to card fraud is called Strong Customer Authentication and it's a requirement under PSD2. It requires payment service providers to obtain a second factor for authentication. This might be an online banking login and approval, device data capture or an SMS one time code. How is up to the card provider.

I'm not referring to verification for card fraud, I'm saying the card networks could sell it to anyone that wants to verify a human is on the other end. Like an alternative to Captcha.

Strong Customer Authentication should be sufficient to prove that the payment request is authorised by the card holder, given this I'm not sure why a business would pay to be sure there's a human there?

I’m not referring to payments at all. I’m talking about using the card networks to serve as an alternative to Captcha for things like forums or any other situation besieged by bots and whatnot.

And make stolen credit card numbers even more valuable?

(I like where your head is at, fraud is just hard)

Stolen cards have long since been solved in many parts of the world with 3DS. Not sure why the US is still lagging behind on this.

3D Secure for those like me who didn't know the proper term, referring to an extra verification step from your bank e.g. SMS.

https://en.wikipedia.org/wiki/3-D_Secure

https://stripe.com/docs/payments/3d-secure

For some value of “solved”, yes. I live in 3DS-land myself, but since 3DS is not universal, credit card info is still at risk. I had a fraudulent purchase against my card recently. The bank returned the money, but at the moment, I am fighting a bill for import duty on the Gucci scarf the crook purchased on my card. :-/ I had no idea, until now, that they may charge €350 for a scarf.

Combine it with 2FA, such as TOTP or SMS.