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Originally Posted by woj [p]ay an extortion fee (not unlike the visa/MC fee now) just to stay in business...

Those fees are there for a reason; The adult websites abused their rights to merchant processing with cross sales , credit card banging and other unethical practices resulting in their being classified as high-risk businesses based on loss ratios.

Sorry, but if you cannot afford the initial and yearly fees to the credit card associations you are uncapitalised and are too high-risk -- this is from a lender's POV and nothing personal.