How does Apple locate users where they are for iTunes Store

Is this done purely via banking information on the iTunes account?

And/or does Apple use IP look up to locate you?

What happens when a users is outside of the 44 countries designated in the iTunes store.

Pretty sure it's credit card info since that's the most accurate option available. If you're outside those countries you're probably unable to use the iTunes store.

I think they use IP geolocation until you're authenticated - that's been my experience traveling a lot and being a whore for new laptops and/or clean installs of Windows every now and then.

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