A virtual refillable card of sorts that can be purchased online, based in the country of the purchaser and able to purchase internationaly.
That is called Money Laundering and is exactly why the International banking laws do not allow it.
As a consumer, we think this should be easy, why can't it be done..
but if a consumer can do it, then so to could criminals.
Say I just stole 1 million dollars US and want to Laundry it to Euro's
I'd set up a fake company in the EU with a Fake online product that cost 88.80eu ( $100 )
Then I pay 1000 people $10 each to go on line and buy 10 of these Items on the fake web site, using Pre Loaded Virtual Cards.
So it would cost me $10,000 to Laundry $1,000,000 and convert it to Euros
Anything simple for the consumer will be taken advantage of by the criminals.