For those (like me) who buy these cards for protection, guess what? You can easily lose the full amount that you put on these cards. (I realize that this is still some protection in that it is a limited loss.)
My experience: When my order (IOP) didn't arrive 2 weeks after the due date, and they refused to even acknowledge my emails, I decided to start a dispute. I called the CC co. and they said to follow the instructions online. Searching online....searching....where is it? Oh, in the fine print under disputes: Bank is not reponsible for merchandise quality or delivery. To dispute, contact the merchant. !!!! In other words, no disputing with them (i-GEN prepaid Master Card). Thankfully it went through My Paysystems, and they are helping me.
That is definitely less protection than I thought I had.
D