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If you can't afford $500 (I thought it was $750), you're not ready to start a pay site. No shame in that.
Ten years ago, folks who wanted to open a store, but couldn't afford it, found a way to cough up the bucks for a stall at a flea market ($25 - $250 or more, depending on location.) If they couldn't manage that, they'd have garage sales (free!) Now they do Ebay. If they make enough to justify it, they eventually open that brick-and-mortar biz they've always dreamed of.
If you want to start a pay site, start by learning how to build and drive traffic via TGPs and/or free sites...etc. You can still do this for free, though you're much better off spending a few bucks. Once you figure out what you're doing, it shouldn't take you long to be able to afford the VISA fees. If you can't get to that point, you're not ready to start a pay site.
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