I got into this almost three years ago, and when I first started taking out ads there, they wanted ID from me even before I became verified. Most advertising sites that i'd dealt with did, with the exception of Slixa; all these sites claimed 2257 compliance as the reasoning for collecting ID. Most of those sites are also headquartered in ths US, which is why 2257 compliance is an issue in the first place. The advertisement itself isn't an indictment, as advertising isn't a crime. Also, from what i remember during a conversation with both my rep from this escort mall as well as another provider, the escort mall has to keep your ID on file for a minimum of 18 months after your last posted ad. So even if you haven't posted an ad to that site in a while, they still have your data and don't destroy it.
I fully believe that each and every woman who advertises, point blank, is in a database of "known prostitutes". How could we not be? If we're there formally because certain businesses are compliant with the government, or if we're there informally, we're all still in that database.
I'm sure one of the reasons that the popular escort mall in question wasn't busted while RB was might have had to do with 2257 compliance. There may have been other issues at hand as well, but we'll never truly know.
If you're super concerned, check out the SWOP legal clinic in Chicago; they host it every so often, and it's pretty helpful for clarifying certain laws and other matters.
If you were to decide to go UTR, and change your name, i'd be damn sure to tell all of your existing clients. If UTR means shutting down your website and having absolutely no web presence, i'm pretty sure you couldn't leave up an old TER profile. That wouldn't be a very UTR thing to have around.
As far as cc processing is concerned, you can use vanilla visas and other cards to pay for ads on that site; if you use a regular credit or debit card, the charge is from a third party processor like it is for this site.