[Wazza]

My experience is the same... signup and chargeback ratios are pretty bad... surfers are fairly well educated about the dangers of the "free to join, but read the fine print or you're screwed" model

Also read the proggy's terms or ask questions of them... are they paying on rejoins or previously collected email addresses etc? If they are not you may be dealing with a far smaller field of available surfers than you think you are...