That's the thing. Too many webmasters running paysites are throwing their money on the floor. If it is not due to over-protected processors, it is because they don't make sure to at least try to maximize each single hit that comes to their site.
Grab their email by customizing the joinform, entice them with an easy signup process, and be sure to use more than one processor.
Micro-managing your each and every hit might seem tedious, but when you have a decent amount of traffic it will definately be worth it.
JR, you are right about the affiliates. Why deny them a better signup ratio by not cascading? Doesn't make sense at all... Share the wealth!
I had a conversation with Jeff S. over at Paycom/ Epoch today who again confirmed that you have to register to VISA via EACH IPSP you process with. One thing to be aware of, if you already process with one, the next one you add will go through VISA's screening process a lot faster due to the fact that you already have been through the process once. So that's a good thing =)
cafeaulait - You are right on the money!