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Depending mainly on what traffic you get, where you get the most declines (options, geo's) a solid affiliate software or custom setup should be able to serve billing options based on Geo and other custom attributes.
You can also test offering more options on the join page at once and compare the results.
Of course this can only be tuned with enough traffic / sales / denials to form a pattern. I also wouldn't expect a major spike in sales unless you plan to loosen up the scrub and deal with a major amount of fraud.
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