HP, I know this probably seems like a hassle you want to avoid - but I'd strongly recommend going and visiting your local business branch of your bank, and just asking them their position on providing merchant accounts.
Because you deliver goods, and there is a shipping address, *some* banks will not even look at the products being adult. It is worth taking that step so you can decide whether its worth the few extra forms.
Other than that, if you know of anyone with an adult merchant account, all you need is the gateway software ...
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