Error #11611, saying "Transaction was blocked by your settings in FMF

If one of your customers is trying to use the trepstar retail order purchase.asp page and they receive the error Error #11611, saying "Transaction was blocked by your settings in FMF it means we can't accept the card for security reasons.  To avoid fraud, we have to limit some foreign cards and also in cases where the zip/postal code does not match the billing address.   The user needs to use a different card, or open a paypal account and purchase via Paypal.