The whole Visa/credit card thing is rather unsettling, especially when you consider that the credit card companies can literally shut you down at their discretion. Fortunately there are alternatives.
You might want to consider DigaPay. They're brand new, and I think they've stepped up to the plate specifically to address the tightening credit card issues facing the adult entertainment, casino & MLM industries. DigaPay welcomes Adult businesses (as well as any other business), and they promise not to freeze your account, except for fraud or spamming. If you study their marketing and their policies, it looks like they're specifically going out of their way to address most of the shortcomings of a lot of the existing payment solutions out there.
You can read more about them at
DigaPayAffiliate.com
Regards,
K.