Sorry Dianna... I missed this somehow.
You have three choices when it comes to affiliate software. You can use the 3rd parties and be stuck with their ACH solution. You can purchase or develop your own affiliate software (which is what the big boys do) and use whatever processor or string of processors you want. Or you can try and find a 3rd party affiliate software that is free for using that companies ACH. hint hint
Subscription Manager was designed when the financial newsletters were hot. Mostly to provide a universal interface where you can manage your email lists, your publications (file attachments), headers footers, etc.
It utilizes our mail server and Oracle database and we would offer it for free if there was enough processing business to support it.
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