As was posted, stores do not allow us to buy now and pay later. Utilities are turned off when payment is not received. As small business owners, I believe we need to collect payment up front, or in some cases 1/2 of the total up front and then the remaining 1/2 midway. It is far too easy for a well meaning customer to say at completion "the check is in the mail", which is why services must be paid for in advance.

If setting up an account takes times, why not try $5 per month with a $10 set up charge? Or minimum 3 month committment paid up front?

We, as small business owners, are not banks, nor do we work on credit.

What a great topic!!

Audrey
http://www.scrapping-made-simple.com