This covers all of it:
https://accounts.clickbank.com/accounting.html
This is the part you will be interested in:
“CUSTOMER DISTRIBUTION REQUIREMENT (CDR)
ClickBank will withhold payment of any balance until an account shows a minimum of 5 sales using at least two of the following payment methods:
American Express
Carte Bleue
Diners Club
Discover
ELV (European Direct Debit)
JCB
Maestro
MasterCard
PayPal
Visa
This requirement is in place to help prevent Affiliates from abusing the ClickBank Affiliate program by using their accounts for the sole purpose of fraudulently collecting rebates and/or discounts on their own purchases.
Once you have met the Customer Distribution Requirement, your account will begin issuing payments normally, in accordance with our Accounting Policy, beginning on the next payment issuing date.”
It tells you all about it and WHY they have put it in place.
All the best,
switch2richnow 