Jumping in late on this -
CCBill does not require VISA to process with us, and we have a lot of clients who add VISA later in the game. And we have no minimum monthly volume requirements.

As Chip mentioned - You can process MasterCard, JCB, Discover, Online Checks (ACH), EU Debit and DirectPayEU (kind of like billpay in Europe) - so you could provide some decent options until you are ready for VISA.

Drop me a line - gary at ccbill.com