I didn't know this was even an option.
Just adding an Update
DH finally confirmed what happened to our Visa gc's I bought from Kroger. We were trying to use them at Universal Royal Pacific for our room only reservation but the full amount $100 on all four cards could not be applied. DH was told by customer service at prepaidgiftbalance that anytime you use their Visa gc at a location where gratuity/tips can be applied they automatically hold 20% back. I say this is a BS move on their part but it is written in the fine details, so it is their policy.
Lesson learned: Either add Visa GC to your paypal account to buy Universal GC's PRIOR to your trip or don't bother with Visa's gc at all. You CANNOT buy Universal GC's at Universal with any gift card. Yes, we tried and they rung up as ERROR. The only prepaid GC that went through without any issue was MasterCard and this was from the same company who sells the Visa's.