This is exactly what I plan to implement. A single pre-payment will qualify the customer (in my mind) as a potentially on the level client. A brand new client would probably get throttled for a week after running out of credits (damage control), whereas an established client could have another week unthrottle, and then a throttle period, and then a cutoff period.
Naturally, my goal is to provide uninterrupted web service to my clients. I am using this sales model, because it allows me to avoid the credit card companies (visa/mc/american express) who I have come to view as crooked, and difficult to do business with.
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