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For a new affiliate signup it is reasonable to hold funds below a certain amount, for fraud prevention and basic admin fees and time costs.
For a long standing affiliate, the payout should be lowered, particularly if it's going to take them a while to get to it (or they've stopped sending traffic)
Wouldn't be too hard for programs to send out a payment at the end of each financial year.
One wonders how many programs do not actually have all affiliate funds on hand though. Those small unpaid balances probably accumulate to a nice chunk of change, an interest free loan...
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