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A "Merchant Account" generally allows you to accept both Visa and Mastercard. But, the fees to set-up are much more than $750.00.
Its also a fairly hard thing to do with credit checks, gateway selection and set-up, etc.
MAs for adult products are rare with only a few banks in the USA issuing them.
I'd visit NetBilling.com and talk to them to get started. Or search this board for some of the experts that help arrange such things if you are sure your business is prepared for it.
Otherwise, use CCBill.com and avoid the hassles.
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