I am affiliate marketer and my conversion rate 

using low quality incent traffic from safelists & viral list builders 

is about 0.1% however refund-rate is almost 30% 

(even though I do my best to promote only high quality products & services).

"Make money online" niche is full of lazy day-dreamers

with no cash to actually take any risk in online-business. 

They are stuck in job mindset. Many dont even have credit-cards, though some do.

Some are actually unemployed / jobless looking to buy financial freedom for less than $50

Ofcourse like everything in life there are some exceptions, 

so some prospects are really good. They buy and rarely ask for refunds :)

You are still reading this ? I am happy for you!

Now checkout this cool system where you can actually get paid daily commissions

Cheers,

NiranjanRanade.Com