I found one Chevron gas station that has a store, and I found they sell PayPal reload debit Mastercard and Netspend reload pack and accept payment by credit card. Do you know Netspend reload pack that you an reload up to $400 and charge $3.95 activation fee? Is it good? I saw it can be reloaded i to netspend visa or mastercard....so why people are so inclined to buy VR more than Netspend if they both have same feature (billpay, etc).