JVzoo does not provide you with any payment processing features. When there is a purchase, you get your money directly into your paypal account and there is a automated rule that sends the money to the affiliate. If a customer asks for refund, then you are in a big loss. It is hard to get the money back from the affiliate if this happens. I have moved from Clickbank to Revenuewire.
I do recommand ClickBank ..but, as with anything, you will need to provide QUALITY content, be consistent and don't procrastinate on the long run...