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Unfortunately doing an adult 'gift' with a non adult purchase is probably not going to fly.
If you've got your own merchant account then you should really talk to your gateway service provider about how they think you should proceed.
Other than that I don't really see any issue in doing business with the truly compliant IPSPs in the business. They are the ones that aren't having huge issues with the cc's anyway since they aren't trying anything funny or stupid.
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