Something that it is missing from
Joomla - Virtuemart 1.1.x is the restriction of payment method (for example Cahs On Delivery) to specific countries or to make it simple, how to set a payment method to be available only for a specified country or countries.
Above, by editing only three (3) files (via the file manager of your panel that you
web hosting company provides or via ftp) of virtemart we will explain how to add this functionality.