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Have you ever noticed that the companies offering these high payouts on signup use their own software to track? I have.
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perhaps its because relying upon a single processor is a sure fire way to fuck yourself. would you really want to sign up to a per signup sponsor who made you sign up to 8 different processors and every time a new processor was added you had to sign up for that one in order to keep getting credit?
customized software has so many purposes aside from those you seem to believe:
1) cascading billing - not possible without custom software
2) effective fraud detection - not possible without custom software
3) switching processors on the fly - not possible wihtout custom software
those are just the 3 biggest processor related items, you could also point out that most processor stats suck the big left nut. detailed reporting, intuititive interfaces, useful information, good summary stats, rewards programs, useful support interfaces, and having everything all working together, integrated and working in harmony?
we've spend nearly 6 figures now developing our own back end, not so that i can secretly shave you, but so that i can run a program that is actually competetive.
as you get bigger, you'll find that the only limiting factors on your success are your designers, your content, your wallet and your program software.
sorry for the rant. but i have spent an inordinate amount of time, money and effort to build what you just called a "shady way to steal".