There was a really good article at covers about this about 3 weeks ago that spoofed me a bit. Like you guys said, it's the credit card companies, not firepay. A lot of credit card companies are losing out bigtime with gambling. A lot of people will max out betting and refuse to pay, as was the case with a califonia women who owed a ton but sued and won in court. So certain credit card companies refuse to accept or give payments with firepay, which is ridiculous because if they are willing to put money in, why aren't they willing to accept it back. So I'd check with your credit card company if you are hesitant about if they will block a credit back.
As far as the direct link with your bank account, firepay does offer that right now. I was afraid to use it because once I quit firepay, I don't reallly want my bank account info floating around the internet and firepay. So, I am thinking about doing the direct transer anyways, so I will let you know how it goes.