...check out iKobo, it used to be a fine service and smth like what you are looking for - you get payments to your atm card, cash it anywhere, and it cannot be taken away from you
One note, though. eBay forbids listing iKobo as payment method.
Another note: when I emailed iKobo support to ask about this matter, I got funny letter saying that iKobo is supposed to be used for friends to send money to each other... May be they had some pressure from big guys at VISA?...
Still a nice service. There's a link on my home page, if interested.