I like how videosz puts it:
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As an important bonus to our affiliates, all of our payment methods are FREE. Other sponsors charge processing fees but VideosZ does not and that means more money for you on every sale you make. We don?t think it is fair to charge our affiliates just because we used a pen to sign their checks!
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There's no wrong or right answer. Its a cost to either the affiliate or program. People who say its only a small fee are deluded though.
$50 check per week over a year = 52x3.50 = $182. X that by how many sponsors your pushing and that is quite an expense.