There’s a simple solution, something a big company like Blizzard Entertainment has used now for over a year (Blizzard Entertainment has created the games World of Warcraft, Starcraft, Diablo, Warcraft ).
Simply after registration, your name and country become grayed out. In order to change your country you have to write a ticket. And you cannot change your name once you have written it down. If you need to discuss it you have to talk to them again.
So simply if an affiliate wants to switch a payment method a) has to be approved by the program and b) has to be done only once he contacts them. This could have been easily avoided if programs payed attention. I mean who changes their name plus payment method… to something Vietnamese.