I just went through some challenges processing a credit card payment with VisualCron from the US. After consultation with the bank, it appears that VisualCron's processor (E-PAY) does not pass the Zip Code through to US banks, which can causes declines. I had to contact my bank to allow an override before this would work. Unfortunately the sales staff helping me didn't know this fact. VisualCron is an awesome product; but the payment back end needs work...or maybe just a different payment processor.