I have a site that contains some nudity - it is NOT a 'porn' site by any means, but many of the videos on it do contain nudity. (www.celebritymoviearchive.com is much like my site) I'm looking for an online payment processor that will work with my site, NOT requiring me to have a merchant account (I am not a registered business). Am I pretty my poop outta luck?
If you're in the US you definitely can't get a true merchant account unless you are a registered business. There's no such thing as a personal merchant account. So regardless of your product you're outta luck unless you register your business.
the only way is to use some payment options like paypal, moneybookers,e tc if they support your type of site