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I know their IT department keeps finding a reason to defer this but that's not the problem. The cc is registered under the same name and address. 

There's something wrong in the way they have implemented "payment gateway" that causes this problem. It might be picking up business name instead of person name, or 9 digit zipcode instead of 5 digit that is registered with the cc. 

Either way, the problem happens only at USPS and no matter how many times their "super smart" engineers call call it "user error", it is not. WE ARE NOT IDIOTS.