I think CCBill in on the right path, by offering the path to pay affiliates direct. That will save most of the issues regarding sponsor programs that don't pay their bills.

I allowed my content to be part of a pay site, and the promoter of the site was consistently late paying. My pre-existing CCBill rep told me that they could pay me my share directly, but the sponsor was in complete denial about that - of course! They needed to use "my" money.

Thanks to CCBill for this effort to clean up the biz.