This appears to be the best option. They include a maximum card balance of $10,000.

One Paypower card can be bought for:
Activation fee: $7.85
Monthly fee: $4.95
Total: $12.80

Every reload is $3.95 with a maximum per day reload of $2,500. So in order to MS $5000 for an AMEX Biz Plat it would cost you: $20.70.

Afterwards you liquidate the card by transferring to goldmoney @ 3% ($150).

Total cost to MS and liquidate five thousand: $170.70

This is MUCH cheaper then buying 20 prepaid $250 vanilla cards at shoppers as I originally intended which would been an extra $144.20 in activation fees.

**Question**

Would reloading PayPower cards at a Food Basic work for MS or would it trigger a flag with AMEX? Its against the ToS to buy cash equivalents which is what I am doing.