I've only used the MoneyPak cards so I can instantly load money into my PayPal. My only problem with those would be misplacing the reciept. The ones we have at Wal-Mart don't have a scratch off activation number on the card, but rather its printed on the reciept. Last time I had to go to Wal-Mart and ask if they could print out a copy of it and had to tell them everything I knew about this purchase...luckily my memory was good that day so I was able to tell her the purchase date, how much it cost, what was used to pay for it, around what time I paid for it, and even had it narrowed down to the cashier and possibly what register she was at so she was able to find it before I got off work that day. But if you get one of those cards ask if they can staple or tape the reciept to the card so you don't end up loosing it like I do.