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The lag in payouts is acceptable. It's part of fraud control and that's just the way it is. You can thank the cheaters for that.
As for the minimum payout thing I can see your point. If a sponsor pays $25 per signup and your ratio was like 1 in 5000 to get the first join, there's no way you're going to send 15K more hits so you can make the minimum.
In that case you should be able to ask them to close your account and send you the balance due.
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