I received this offer in an email.

I can see that we would run into a bit of problem with the normal US banks on this one. They would perceive it to run in the high-risk genre even though you and I perhaps wouldn't. The problem with the one US banks that possible would accept this business type is .. they only accepts companies that process over 100k per month and have past trans to prove it.

Fear not, I CAN assist you but I will need to place you with an offshore account. I have an asian bank that I use regularly for your type of business, they have a German gateway and are very reliable and stable.

Let me go over the fees (which are a bit higher than any US accounts) with you.
Discount rate for startups - 6.3 to 6.5%
per transaction (auth/decline) $0.50
Your US corporation will work for this so no Inc fees will be needed
Chargeback - $35
Application fee - $0
Setup fee - $0
I do have a placement fee of $500 - this is due to my company ONLY if and after your account has been accepted.

Payouts are 2 weeks in arrears then weekly thereafter.
Reserve on your account will be 10% on 180 days.
They offer straight API integration so you will need to get an SSL certificate for your payment page (these can be purchased for under $30 or so on the net)