If only need a "OV-chipkaart" for the train, you don't actually need one. can just order the train tickets online and print it at home on paper.
If you need it for the busses, metro, and tram, you indeed need to charge it. Personally I have a OV-chipkaart which is connected to my train reduction card. For about 50 euros per year, you get 40% discount on all train journey outside peakhours. This reduction card does also contain an OV-chipkaart, which you can upload at trainstations. At the main stations you can charge with major credit cards. You need to look for the yellow/blue automatic vending machines, that contain large touch screens. I am not sure if they accept all OV-chipcards, or only those connected to a NS-reduction card.
According to the OV chipkaart website, they offer online charging. It is a bit of hazzle though. First you need to buy credit online, then you need to find the closest "charging devise" to load your credit to your personal card. Since the english page is only partially translated, here is a dictionary to understand the website.
Profiteer van het gemak van reizen op saldo
Profit from the ease of traveling with credit (Ease? Yeah right)
Aan het begin van uw reis checkt u in, aan het einde checkt u uit
At the beginning of your journey you check in, at the end you check out
De reiskosten worden automatisch berekend en van het saldo van uw
The cost of your journey will be charged to your card
Het toegestane saldo op uw OV-chipkaart bedraagt maximaal €150
You can charge up to €150
Bestellen = Order
If you have the time, could you please file a complaint about the lack of a proper translation?
I just checked with a foreign friend. The OV charging machines accept V-pay and maestro.