epoch, ccbill, and epassporte are the only ones on the list I'd trust.
If you've found an adult merchant account who's charging less than 14%, RUN, don't walk, away. The CC companies charge more than that in fees for adult merchant processing online, since it's a high risk/high charge back account. The only way they can be charging less than that is if they're being shady with Visa and MC, and they WILL eventually figure out.
What happens at that point is, if you are lucky, all your cash in that account goes away, and if you are UNLUCKY, you get a bill for your potential charge back amount + lawyers fees, and your potential charge back amount will be above 20%- i.e, 20% of everything you've ever processed through that merchant account.
It is NOT worth it to fuck with that stuff. I've seen people who's businesses have been destroyed by picking a crap adult merchant processor. While CCbill might be a pain in the ass, at least they pay out.
I know this, I've been doing adult online for my own sites for 5 years. Trust me. I've seen several people's lives get completely screwed up. This, and the 2257 stuff are the two things most likely to screw you doing anything with the adult internet- and the CC billing is way more likely to bring pain down upon your head than the feds busting you for kiddy porn (which, again, I saw happen for a granny site- but since they weren't 2257 compliant, they got busted for child porn. They got out of it, but only after lots and lots of legal fees, which is Very Fucked Up.)
Go with one of the proven processors and you'll be OK. Don't be tempted by low % fees, and don't even bother trying to open your own adult merchant account unless you have a few years records showing your chargeback rates, or you'll just waste a lot of time and cash hunting it down, that'd be better spent building your business.
Hope that's helpful.
