I think it's just a gamble that you have to take in this business. I honestly could not pay affiliates if CCbill went out of business. I'm small-potatoes and don't have multiple processors to work with. So, if I don't get paid, you don't get paid. That's just a reality.

Some of the big programs may be able to pay at least some of what you're owed but I'm guessing that not a lot would. When Ibill went down, DeluxePass owed me a LOT of money (at least for me). They used several processors, so I did receive some payment. And they did eventually make all payments that were owed from Ibill but it took a long time.