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There is another option you can try...If you're pushing your own traffic and don't intend on having affiliates pushing traffic to you...you could use Verotel's Ticket Club to handle the processing.
Since I've been in porn people have yelped about Verotel, but I set up a site for someone 2 years ago using this and the conversion ratios for the site was great, Verotel was very professional in setting everything up, and it was a way to accept visa without the visa fee. Just an option for you to consider if you're a little cash strapped at the moment.
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