Here is a problem with the new Pay to Join feature of Dolphin 7.2.x. What happens if someone does not come back and finish filling out the form? What happens is that they have been charged but they don't have an account. Then they have to contact the admin, or they file a dispute with PayPal; you don't want people filing disputes with PayPal too often because then PayPal will cancel your account. The whole Pay to Join was not well thought out. I am seeing this issue with a live site so yes, it will happen.