Baronrus; I thought (and I might be wrong here) that the ability existed for you to "pre-charge" or "prime" you Kobo books account with gift cards....
What you might try is this....
Go to
http://www.kobobooks.com/egiftcards and purchase an eGift-card for your daughter; pay for it with the Chapters gift card. That eGift card will then be associated with her Kobo account, and should be usable to pay for books.