I'd like to know what experiences everyone has had with online payment services. Like which ones are good and which ones to avoid.

I run a personal gay phonesex website. Since Ebay bought paypal they have locked 2 paypal accounts. Luckily all I had was small amounts left in there.

I have looked at the websites of CC2You, iBill, Merchant Accounts 4 Less, and CCNow. They look about the same, but I'm new to this so I'm not sure what to look for.

I know what I want:

Customers to be able to pay by: Visa/Mastercard/Discover/Debit Cards/eCheck.

I'd like to keep my personal info private from my customers. Things like real name, address, phone number.

It would be nice if I could get direct deposits.

"Adult/Gay Friendly"

Ecommerce/Shopping Cart - I have yet to find an ecommerce service geared towards minute-by-minute charges. Maybe I'm expecting too much.

Cost is also a concern, since I am just starting out.

Brandon