Most 3rd party processor will require the visa fee, its something you have to eat to get that kind of processing. You can always get your own merchant account and hire someone to code for the billing but you will again pay the visa fee. PM me and I can recommend another biller for you that won't charge the $750 fee, and only takes a 5% skim for processing, but they only process adult sites (I have no financial affiliation with them for recommending them). The catch is you will need customized programing to get the billing gateway to operate correctly.