several weeks ago I had problems with credit cards being processed.
i got ray online and he had me do PayPal, and it worked.
Realize that what I did was stupid, I did not get the escrow protection that is normally available through going through the front door.
it all worked out for me, I got my order and Ray also provided some spare pixels at my request to deal with an expected number of failures.
so, try using the sales chat agent. maybe they can get the credit card processing to work for you. at least try to talk it over with Ray.
Steve