Bank card / ccard alternative without the Load & Go limitations:
Paypal Alternative / e-Currency / Anonymous Bank
No chargebacks (still subject to PayPal rules though you can use them and they won't ever freeze your account like PayPal but we know CUSTOMERS want to use PayPal as it's "safe" so back to the drawing board with this one).
Higher fees than L&G Load an EntroPay card from a personal credit or debit card = 4.95% It's free online with L&G or over the counter but then again restrictions. Just looking at the pros and cons of every option.