You are not logged in, but according to you IP address you are from United States which is outside the EU which means you are NOT subject to paying VAT.
More information about VAT can be found here
When buying with a CreditCard your information is handled and sent directly to Stripe for processing. Your CreditCard information does not touch the HDRi-Locations.com server and the information is not stored.
Accepted Credit Cards:
With PayPal you can buy credits fast when using your PayPal account. If you don't have an account you can also pay with a credit card, depending on what country you are from PayPal require you to supply a username and password and a PayPal account is created. Tto avoid this you can pay with a creditcard directly using the "Buy with CreditCard" link.
The complete transaction is handled by the PayPal secure server. PayPal is responsible for handling the credit card and other payment details