Technical solution to issue ECR-20 token on hardware wallet (debit card with visa integration) that can then be used at any POS

Hi All, This is complicated one. What I'm looking to do is create a ERC-20 token (that part I can do myself) and then issue them in the form of customisable gift cards which also act as a hardware crypto wallet. These tokens will be pegged to the Euro and what I want to do then if offer the cardholder 2 options: 1.) Redeem the resell the token back to my website at a rate of 0.95 (ie. for every "CryptoEuro" the sell back, the given €0.95 - so there's a 5c profit). This would involve the recipient linking their bank debit card to receive the refund (less the 5c commision) or; 2.) Enable a retail outlets to accept the gift card whereby if the cardholder uses the card at their POS, the card is deducted say, 100 "CryptoEuros" and returned to my ERC-20 wallet but the retailer would only receive €95 (which they would have agreed to prior). The main features I'm looking for here are technical visa integration, website app (Ideally just integrated into a shopify/wix site) fiat-to-token on a 1:1 ratio (for sale of gift cards) and token-to-fiat on a 100:95 ratio (for buy-backs). I appreciate there's a lot and various areas of coding but I'm open to suggestions - I can't go with either a straight-forward store credit gift card or an e-money solution so a crypto-pegged solution is the only alternative. Thanks, Jeremy