I'm really sorry for you. Hope you sort things out, as it would be a disaster if you had to change your entire platform to be able to monetize your online project after all of your hard work.

As mickyb says, you did right, as later on, when you less expected it, you could have experienced the same--perhaps even worst if site activity was really high.

I am sure that there are some talented programmers here who may be able to help you integrate additional payment gateways in the mean time.

For see more the rest out there, just a piece of advice from my own experience: I do not run sites with sexual content, but I nonetheless request PayPal to review my sites and give me confirmation that they are Ok with them right when I get started--and they do. Then, I basically try to keep some sort of dialog with them, even if my sites' are new and account activity low, and give them heads-up whenever I change something critical within my site's commercial content.

IMHO, if a sites' reliance on PayPal or any other end-user payment gateway is critical, I think that it is helpful to stay in touch with them every step of the way.

Not my case yet, but I have also been advised to try to anticipate transaction volume variations and warn PayPal ahead of time (e.g., say you are offering a big sale and expect a higher than normal degree of sales).