I personally have never used PayDotCom, but I love Clickbank as a retailer. They have a fairly seamless system with decent stats scripts and I don't have to waste time calculating or paying any affiliates.

Systems will always win over human error when it comes to payment tasks!

I have noticed some very lame excuses for refunds also...but there are just people like that everywhere, you can't let it discourage you. Just stay true to your path.

Besides...no reason you can't try both?

I'm happy with Clickbank in all honesty

-Jay Salvati