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The problem with NOT doing it is that the affiliate goes ahead and gets a hold of a CC db, then creates a bunch of fake joins, gets paid, and now 30 to 60 days later they all chargeback, costing the cashprogram a big bunch of money and possibly shutting down their processing altogether.
Any program that didn't past the cost of chargebacks back to the affiliate would not only be foolish, but probably wouldn't stay in business very long, IMHO
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