The usual way to get paid is with a check in which case you don't need anything more than a bank account.
Most adult websites process with CCBill and therefore use them for their affiliate program. Most affiliates prefer to sign up with sponsor programs that use CCBill because they know they'll get paid. No one is forcing you to signup with CCBill but if they use CCBill to manage their affiliate program you don't have much choice. ;)
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