FWIW - I work with many customers that phone in orders and pay with a credit card. We are an American company.

This issue presents itself occasionally, especially with VISA. It typically means a vendor is not recognized by the credit card company as one you have done business with in the past and in the case of VISA they have imposed some more strict purchasing rules in effort to protect their customers (and themselves) from fraudulent purchases.

A quick call to your credit card company to authorize the transaction will satisfy them to allow the sale.

HTH

Happy Musiking,
Dennis