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Pay with a credit card, if things don't work out you can always issue a chargeback on the deposit.
That's what we tell all of our clients and to date we've only been fucked over by two, one in adult, one in mainstream.
Also, don't pay for everything upfront, typical development terms are either:
50% to begin & 50% on completion or;
33% to start, 33% mid-way through the project and 33% on completion.
Any design or development firm that asks you for payment in full I would honestly stay clear of, the risk just isn't worth it.
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