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2.9% sounds like a qualified rate which NONE of adult transactions are. And $99 sounds like a set up for a regular merchant account. ALL high-risk merchant accounts have to pay $2,495 in high risk merchant registration fees to Visa/MC.
I just got two backup accounts ( one - on, another one - off shore ). I can let you know where to get them. But they are not cheap. Off-shore one is $1K only though.
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