You said it is either the CCBill cookie method or a direct link to your site. I assume this direct link means
http://wettingherpanties.com/?affiliate=joeblow instead of using the CCBill redirect that would set a CCBill cookie. It would not take you a lot of work to have your own site set its own cookie (affiliate=joeblow). If you do it like that, your affiliates can use your new deeplinking setup and they would still get credited if the surfer returns on a later day to sign up.