I have the gift card solution. My bank is in South America. Our gift card program may be exactly what you want. Call me...John 800-653-5509 creativemerchantoptions.com
If you live in the United States you can find gift cards at your local grocery store or drug store i.e. Safeway, Walgreens, etc. Gift cards come in different denominations with the lowest being $25 with a 3.95 activation fee which you'd pay there. It requires no online registration and can be used right away online. I personally prefer the Visa Vanilla $25 cards which allow you to check the balance of your card online.