I will simply deposit using my Visa debit card (E-coin) into Neteller then trade my Neteller funds to Bitcoin and that's it . (Neteller only take like 1.9% fees so it's not that much comparing to virwox.com) and they don't take fees at all Neteller to Neteller transfers.
Do you trade Neteller to Bitcoin with some built-in feature or you find someone to do the trade?
There is BTC to Neteller available on Neteller itself , however for trading Neteller to BTC you will have to do it with someone since there is no features for that . It's not a problem though since Neteller is a famous and known payment method that most of people use .
Payza also let s u deposit via debit card and withdraw BTC. I think the fee is 4%. However, you cant use your credit card, due to charge back issues, only debit card.