we have been in the adult industry for 10 years now. we can provide merchant accounts with or without registration fees, depending if you want to go bank direct (lowest processing cost) or use one of our 3rd party billing platforms (generally higher fees than bank direct).
direct fees will be atleast half as much as those epoch rates you mentioned below.
i would be happy to speak with you. you can call us at 877-488-8885 or email me at
[email protected]