If you do not like it, go get a merchant account for your adult processing. Then you'll really have something to cry in your beer over.
It sounds like a lot of people in this thread are going to do less posting on the GFY and more focusing on a full day of work. Ya know... something that resembles actually running an real business like a professsional. If $500.00 from MC or VISA is breaking you, it would appear you need to reevaluate your "business'.
