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Thanks for ideas, guys.
As far as I can see, Rakuten Kobo store doesn't have a Paypal option. The only options are major credit cards and the billing address is restricted to Japan only in both Rakuten user profile and the per-order credit card data entry form. I can only hope that the mismatch between the entered billing address and my address on file with the issuer is not going to trip me up. I wouldn't be surprised if they used an entirely different verification system, because of how insulated their storefront is from the normal Kobo store.
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