I would never do any project without payment in full unless I know the customer personally or they have completed other purchases satisfactorally in the past. Just the way I do it. Once the artwork is approved and they say go ahead, the money is already in my hand.
We range from 35% to 50% depending on the job at hand with custome clients. Contract clients get billed with a start up of 5 day net, depending on the client
Ask for full payment first always, because you want to see how serious they are about the purchase, people in general have alot of excuses , some people don't always have the funds on them at the time, so smile and play like you are listening to the bull they are telling you whether it be true or not, when they are done, simply smile and and say thats cool, then refer to the first statement.
Our standard terms are 50% down and the balance upon delivery. We do extend Net 30 or Net 15 to our regular customers and larger corporate customers. Some companies or organizations demand it. For out of state orders we request a credit card deposit. I do however like Rodney's idea as he stated in another post.
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Another way, if you have a merchant account, is to have the customer AUTH the total amount due to their card, but not "capture" or charge it until you ship the order. Then, they can either pay the final invoice by credit card or check or paypal or whatever.
I really like this idea, I just don't know how to go about it. It's something I need to look into.
I would never do any project without payment in full unless I know the customer personally or they have completed other purchases satisfactorally in the past. Just the way I do it. Once the artwork is approved and they say go ahead, the money is already in my hand.
I would never pay 100% down... nor would a lot of people I know. Their taking a risk by using you as well, it's not 1 sided. There have been plenty of people stiffed by artists / contractors.
always 50% down, unless i personally know them, then i just charge them the cost of the apparel up front. the rest due upon delivery. no net terms, we don't usually do orders that are THAT huge.
Do you get a deposit? 
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, some people don't always have the funds on them at the time, so smile and play like you are listening to the bull they are telling you whether it be true or not, when they are done, simply smile and and say thats cool, then refer to the first statement.
