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Every credit card processor has its own risk parameters and set of rules they use to determine if a credit request should be honored. Typically, an approval or denial is based on a fairly standard set of rules. But some merchants and/or processors take their scrubbing a bit further.
The kind of filter which caused this sale to be flagged relates to the fact that your mailing or billing address did not match the country of origin for the Visa card used for the purchase. That is fairly strict rule and not very common, but some processors will flag the transaction to request some sort of verification and a few will just deny the sale. It depends on the level of risk involved and how stringent the processor is.
Just know that credit card authorizations are not standardized. That is why you may get different results between IPSP's. It is a fact that these types of issues exist, but thankfully they aren't the norm.
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-- Rand
Payment Industry - Communications - Quality Assurance
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