I tried to set up a content seller without Visa, and failed. You really need them to make it work. However a couple of "work rounds" for you.
1) The high upfront cost is almost exclusively a US thing, most (though not all) European based processors don't charge it. (However, if you are US based,I have a feeling they will be obliged to charge you the fee, but I'm not certain, so check into it).
2) PayPal have got more lenient, I sell bondage books through them legitimately, so you may want to see if they can help you.
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