[rms]

There are merchant account providers that specialize in industries with high fraud that would probably be happy to have your business but they take between 10 and 15%.

Have you had a checking/savings account for a while? Ask your local bank about opening a merchant account. In the meanwhile, sign up for a credit card and start using it and paying it off and a year from now your credit should be good to not have to worry about something like this.