What is the ruling on issuing a "Nymcard" for personal use and for making online purchases, knowing that it is a pre-paid card that cannot be reloaded, and is loaded via "Western Union"?

Prepaid purchase cards or instant debit cards are permissible because they are considered covered credit cards. They are free from usurious issues and do not involve an interest-bearing loan from the issuing entity. What the issuing entity takes is a fee for the services provided. It is permissible to use these cards for purchasing gold and other items, as the debit is made instantly from the customer's balance.