Another data point. I have been successful buying VR at CVS, loading onto BB, sending small test payments to car loan (Honda) and mortgage (Wells Fargo). It took two days for the payments to gets from BB to the above companies. I was able to find the required zip codes pretty easily.
I now plan on increasing to full payments. I am going to use various cards to purchase VR at CVS, not all HH Amex. This could lead to FR. I am only paying for things that I could otherwise not get points for.