Firstly we're sorry to hear that PayDotCom has declined your application. This may have been due to your country of residence (amongst other reasons).
We're in the process, of setting up a feature that allows members to switch off PayDotCom (i.e. Just show Clickbank banners, reviews and adverts). So watch this space
To completely honest PayDotCom currently plays a VERY small part in the system. And so you really won't be impacted that much by not having a PayDotCom account. Hope this puts your mind at rest?