Not sure about the ChnageNOW stuff, I've never seen it while attempting to make a payment.
I think ChangeNow comes in when one want to swap or trade coins using the service or via their wallet. I haven't downloaded it yet, but I believe that's where the partnership
comes in.
I tried to check out the list of restricted countries for the virtual card but without success. Maybe OP can help point them out. I only see restricted countries for the physical card.