Hey,
I am sure you are all aware of the stupif fucking regs that visa has implemented by now so I won't re-hash that. What I can offer you is a solution to your problems if you can't afford the $750 fee.
Take your paysite and make it a AVS Premuim site. If I had to choose one, it would with a doubt be FNP Premium. If you want to read a review of this Adult Verification System go here:
http://www.pornmasterz.com/avs/fnppremium.html
You can earn up to $130 per member you get to join (I did this a few times - it rocked!!!!) and the new members stay for months on end - which means re-bill income for you. And with the amount of free video content they offer to their Premium members it makes it that much easier to get members. I have a solid 1:40 ratio with these guys on a semi-shit site so imagine what you can do with a paysite! Definately one to check out!
Flow