"the
www.adoreanjali.com site tried to download a trojan onto my computer."
Are you sure you haven't got spyware/adware/tupperware installed on your PC?
Many UK sites use NoChex, mine included, but as long as you join a site using a reputable processor you shouldn't have any problems at all.
CCBill, IBill, etc don't give your credit card details to website owners, only your address, e-mail and IP numbers get passed on.
PayPal don't allow any adult transactions anymore and if they find out they'll shut your account on the spot without releasing any money you have in your account.
Simon