I stuck with the virtual visa for the first year I had my epass account, used it for domain names, design payments, online purchases, etc...and even after spending on it as much as possible I managed to accumulate a lot of cash in that account. So I finally shelled out the $25 or whatever and got the piece of plastic and have not looked back since. Its brilliant, being in Australia it used to take about 7-10 days to get paid from a lot of places, now its all instant and I get my cash as quickly as I can walk to the nearest ATM machine.

cheers,
Luke