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Get a merchant account. If you sell 'physical goods' -- even if adult in nature -- it's not high risk. What makes you high risk is if you offer 'Internet entertainment', i.e. not a physical product.
If you need a good merchant account at a decent discount rate without having to put money upfront or a reserve held, find me on ICQ -- 312311 -- and I can give you the email of someone who recently got me a new merchant account with virtually no fees (ok, $25 was the fee!), great discount rate plus I didn't have to put any money into a reserve account (I was unhappy with my merchant account processor).
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