I always prefer a European Payment Provider, because we never ran into the problems like this visa stuff in the states.
We are using
http://www.liberECO.net now for about 8 Years which can offer 3rd Partie Billing as well as your own Merchant account. But the best is, you are able to use the legal wire transfer system of Germany to bill German users! And, you are able to bill any international Credit Card, even for Fraud.