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Put aside the affiliate issue/fraud for now. I believe the growing number of porn buyers are simply buying multiple pre-paids cards and loading them with $5 or less. They don't want the hassle of reading fine print or having their bank card/cc banged.
Raise that trial to over $5 and you get rid of a ton of pre-paids but still get them. However, those prepaids convert much more often. The person who loads a prepaid above $5, likely loads it with $100 (or something significantly higher then $5) putting their max risk at that.
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