So if I understand this correctly, I should install the Zen Charge Free CHarge Card for my items I have listed as Free in my store so customer can download those items without seeing the error Not Accepting Payments From Your Area?

I do occasionly test my store and was doing the free download as the item purchased.

Also - If they buy something from store and get the free download, will the Zen Cart Charge Card show or just my selected payment methods?

Thanks everyone.