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It really depends on your specific circumstances. There’s a lot written about this and there’s plenty of research to look into.

In a nutshell, generally asking for payment info later will lead to more people trying out the service and eventually signing up.

This does however come with the drawback that you will need to support an increased number of users (both technically and customer support wise) possibly many of which who are never going to convert to paying users. You also want to be careful to distinguish between feedback from paying and non-paying users.

To summarize it sounds like a good approach to try out “just in time” payments. If it proves to provide too much of a technical/support burden you could switch to pre-signup payment or asking for billing info.

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