More and more of my clients live out of town and or state. I have never had a problem with payment yet but it does worry me. At times I ask for a installment payment before work begins. I do notice some will wait till the very last minute to pay. I heard it all. I'm waiting on a check to clear, the merchant account doesnt work, etc. I do have it so I can take payments online. I even used paypal as a back up before. I was just wondering how you handles these types of customers.