I charge after the job, haven't had any problems so far. As for the credit card payment, I use an android phone and have a hidden link that another guy on here helped me to make where I can go in from my phone and enter the payment amount along with the customers card information and it deposits the money to my business paypal account and from there I can transfer it to my checking account. It really wasn't all that complicated if you have a web guy and knows what he is doing. I think it charges like .30 per transaction. There's also allot of apps with a very low monthly fee on the android market or apple market to choose from.