Some suggestions:

- Consider increasing minimum file size to 1 GB. Since you don't have PPD you don't need these kind of limitations nor to worry about poor traffic, big files should be the ones to give you sales.

- Create an paypal/skrill account just for payouts and don't ever use it for premium payments.

- Make some kind of points system so uploaders can upgrade their accounts (or by using current balance).

- Payout term of one month is too long for a new FH, you really have to decrease it.