Regards to the prepayment, you sure there aren't networks that just bill when fees are due?
Regards to fraud, that's definitely a real issue.
Regards to niche, from what I've learned from doing some affiliate work and research, niche is extremely important and much desired by affiliates - even though my product isn't narrowly targeted - just saying..
Most networks won't do this because it opens them up to risk or a merchant not paying and still having to pay their affiliates. Also because different affiliates get paid at different times so a big affiliate might be net 10 or even net 5 most will be net 30 or 45.
Make sure you design a good landing page and test test test. No one will run your campaign for more than a few days if it doesn't convert reasonable well.
Regards to fraud, that's definitely a real issue.
Regards to niche, from what I've learned from doing some affiliate work and research, niche is extremely important and much desired by affiliates - even though my product isn't narrowly targeted - just saying..