When to get customers' billing info?
kneath: I'm the designer for tenderapp.com, and we decided to try putting in credit card information when we need it (after the 30-day trial) instead of up front, like we previously did for Lighthouse.  Well, decided may be the wrong word... let's call it a happy accident that it happened that way.Now that we've had this flow live for a few months, I can't think of a reason a small startup would possibly ask for credit card information up front.Pros:- We have one of the lowest barriers to entry to our app. Literally 10 seconds and you have a fully functional install.- We have lowered the amount of people complaining about us accidentally charging them (i.e. they forget about the 30-day trial and ask for a refund at day 31) to zero.- We've opened up a lot more channels for follow up.  We can contact people weeks/months after their trial expires and see if they'd like an extension or to try again. (In other words, we've removed the negative parts of trying the product -- cancelling)Cons:- It's lowered our conversion rate (remember what rate means) and made it extremely unpredictable.- We don't get to steal as much money from people who forget to cancel their subscriptions.At the end of the day, I believe in our product and I want as many people to try it as possible.  A credit card form isn't going to stop someone from purchasing a product (unless it's really bad), but it sure does stop a lot of people from trying out a product.  So I work as hard as I can to remove any roadblocks to people getting their feet wet. From the responses I've had, our customers love it too.