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I think you're implementing a fair strategy. If someone needs work done why would it matter to them whether they pay upfront or afterwards UNLESS they are short on cash and are going to fuck you in the end.
I always "assumed" that people paid upfront or at least 50%. I've rarely had any design work done but when I have I always offered to pay upfront as soon as the deal was made. Some take it, some want only 50% while others just let me send in after the work is done.
Regardless I've always offered to pay upfront just assuming that's how it works. I just make sure to go with reputable designers to cut out my chances of getting ripped off.
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