Oh, oh I -like- this.
If you want to switch gears on hassling the Payment Processors, take a page out of the (American) insurance industry by being a 'diligent customer' and calling the company ahead of time to confirm Prior Authorization. Be polite, but very confused when they insist you stop. 😇
Make sure to call Visa before making any purchase and ask if it would bring them disrepute, just to be safe.