saith32: I did try paypal.
... I assume you don't have a balance you add to Paypal and then go from that, do you?
Lots of tiny transactions may raise red flags with the banks. I would log into Paypal, transfer $100 or so to paypal, and once that finishes (
2-3 days) use paypal balance. Since it shouldn't attempt charges through your bank those problems go away.
If you really need a copy held onto if that might take too long, someone can probably purchase it as a gift and then trade it with you with another game. Paying for a game to another gamer just adds hidden fees that may not be noticed and isn't recommended so much.