Adultwork are legit, yes 3% is a joke but they're fairly easy to convert with the right traffic, there's a lot of whales too, which makes the 3% a little more acceptable, the biggest joke is that you only rev share for 6 months.
You enter your payment info at
http://www.adultwork.com/CreditsTransferRequest.asp
Edit: Don't forget they also take a further 30% off your earnings when your credits are transferred.