In order to enable this option go to Administration screen and choose Zman CC Info from the drop down. Check off the ValueBoolean column.
You must also setup in administration the GPS info and time zone of your location (to be used when you charge a card without any zip code info) and how many minutes before shkia you want to set it up.
It will first try to use the address that is entered in the credit card record. If no address is entered it will use the default address of the account. If there is no zip it will charge based on the gps info entered in administration.