use Liqpay, they guarantee no chargebacks or fraud because all payments will be registered through SMS verification with the buyer. sadly card must match the country where the SMS is, or else payment won't work. they also sometimes call the card owner if there's a problem with the card (registered in Nigeria for example) to verify. pretty good fraud protection
free to receive money from Visa/MC, free to move it around within Liqpay (so you can trade it to other users who then give you LR/WMZ/PM/Bank wire)
only 1.85% + $2 to send money to Visa, then put into ATM and withdraw. free API's so you can easily integrate their checkout into your site, or use joomla/other checkout carts. if the site is something blatently illegal like VICODIN-2-U.BIZ or sketchy/e-pharmacy then create dummy sites, but link your Liqpay API checkout script directly to the Liqpay fake site checkout like buywmz.com does (after you click on 'buy', buywmz sends you to the fake site, then to the Liqpay merchant instantly). they do this because exchanging ecurrency for Liqpay is generally not allowed. if your Liqpay account for some reason is cancelled (will never happen usually) then just get a new PPD anonymous cellphone from 711 and register again, or virtual sms number.
there's also GSPAY