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As Harlot Cash said, the key when you run a small program is not the afiliates signups but your owns. The afiliate signups just make you gain volume and get better future deals with billing/content/host companies.
I don't own a credit card paysite but a dialer company, when i started i had to offer almost the same rates that i had. At first i struggled as i paid 30 days before me getting the money from the operators. That was a high risk for me but helped me to get a good amount of webmasters and increase a lot my minutes volume. After some time, my volume was high enought to ask for better pay rates from the lines providers and to get more respected as big company by webmasters, operators, banks etc as i moved a good amount of minutes and payment throught the banks.
During that time, my income came from my own minutes and hard work promoting it myself while the affiliates were only for volume. You get the same $60 from 2x$30 signpus than if you get 102x$30 signups and pay $3000 to your affiliates, but your prestige is much better, imho, that is the key, struggle at first, promote the site yourself and just get affiliates for volume, it will pay off in the long term if you're able to survive, take the risk at the right time and are patient enought. Of course any risk taken could lead to success or bankrupt, that is why we see small companies coming and leaving.
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