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Forget all the rest, CCBill is the best. I don't work for CCBill, and I'm not related to CCBill in any way other than being a customer. CCBill may charge a little bit more than other processors, but you get what you pay for: quality service, reliability, great customer service (by e-mail and by phone), quick help when you need it.
And as new webmasters (KittyKait and Michelle69), you have to make sure you have a credit card processor that other people have or you won't be able to sign up any affiliates. You'll be shooting yourself in the foot if you don't get CCBill as your primary processor.
Do some research: Do a search of random porn sites of all sizes and check their join pages. Every porn site that is worth its salt is running on CCBill. That should tell you something.
When I joined CCBill about two years ago, I think it cost $750. Basically, I think it was free to get CCBill, but there was a $750 fee to be able to accept Visa cards. You might be able to sign up without being able to accept Visa, but that's a terrible idea. The $750 (or whatever it is now) you pay to get set up with CCBill and be able to accept Visa is worth every penny.
As a backup processor, you should try Verotel, which is free, I think.
Good luck.
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