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Thanks for all that Fly.
At the moment, you are trying to get $30 out of a surfer for a site he hasn't seen yet. 1) He doesn't trust you to deliver, and 2), he only wants a wank.
One in however many thousand surfers are buying that, but an awful lot of people are choosing to stay "free", because the only other option is risking $30.
Our alternative is to show him the picture or video he will get, at a price that is trivial. He'll see that there are a huge number of these premium pics and clips both on partly free galleries, and on paysites that have made part of their content available on per-click payments (as an upsell to their subscriptions).
He doesn't have to trust anyone, and his $10 topup fee will last for ever, not just a month. So the barriers we have to overcome are much less than those for a subscription site.
Once he's paid, of course he will spend the money faster than he expected. But nobody's tricked him, he got what he expected and spent his money at a rate that was good for him. He can see his balance all the time on his toolbar, and he confirms every cent he spends (or chooses not to for tiny payments). So there's every reason why he'll be happy with the system and keep topping up that account.
Chargebacks should only occur due to real fraud, rather than dissatisfaction. If he's dissatisfied with an individual click, we'll refund his 5 cents rather than risk a chargeback. So the only chargebacks should be stolen cards or just tossers who like charging back for fun. It certainly should be less than for subscription sites, expecially as we don't rely on recurring payments.
The important thing is for sites that they will get a small amount off a higher proportion of surfers, and still have the chance to upsell to a full subscription for those finding themselves spending at a high rate.
We're going after a little each month from the people who spend nothing - not taking away from subscription site spending. If we can move any proportion of free porn over to pay-per-click, it will have a fantastic positive effect on subscription spending too.
By the way, the traffic-payment lets you pay affiliates on a % basis just as you suggest, so if you want to set up a site like that, we'll help you get it going.
Regards,
Danny
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