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there's one other significant reason why ccbill affiliate programs tend to have poorer ratios: ccbill depends on cookies for tracking aff codes; people who bookmark a tour page & come back to sign up days or weeks later are most likely not credited to the affiliate.
NATS type programs encode the aff code in the url of the tour pages, so the affiliate is always credited for a signup even if they return to the bookmarked page weeks later when a ccbill cookie would have long since expired. This accounts for a large portion of traffic to paysites, and is one of the reasons affiliates see superior results from NATS type programs.
Not trying to bash ccbill (a great processor with a FREE INTRODUCTORY affiliate tracking system) or BV (I have no idea if your custom software uses cookies, encoded urls or what) but this certainly has an effect on the ratios affiliates see.
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