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I'm not sure I've explained the topup system properly, because it is actually exactly as you've suggested for "Credits".
The surfer tops up his account with a $10 payment. He can then spend that at whatever sites he likes that take PayAsYouClick.
As he clicks, his $10 gradually gets eaten up, until he runs out. Then he has to top it up again.
So this just like paying a flat amount ($10) for a load of credits which then get used up.
Does that make sense or am I missing the point here?
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