There is more then 1 bank that takes adult merchant accounts. I think there are 3 actually. Joey B. Lo is probably getting setup through Humboldt since they require the $100,000/monthly minimum. You can talk to Joe about getting setup through Woodforest if your doing under $100,000/monthly
Joe:
888 997-5174
http://www.msusa.info
and then use PayWide.com for your password management, rebilling, fraud scrubbing,etc.. Your looking at least $1,500 for the Mastercard, Visa and bank fees to get setup. Talk to a couple of people that can get you a adult merchant account to get the best prices. It never hurts to try and get a merchant account (except the time to fill out the forms and fax the paperwork).