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I think you're missing how/or what you're going to be collecting money from or for.

It will be a subscription for continued use of my webapp.

Didn't you set some sort of mechanism to discontinue usage if the payment wasn't delivered by the customer?

I think you will have to detail what is actually going on in order to get a good response here or else you sound like the bad guy who is baiting unaware customers or something.

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