I like 100% prepay.Yes, 100% prepay for resi's. I have a couple small commercial on 100% prepay. Some are on 2 payments.
For those doing per-push, you might want to try a CRM app that lets you keep cards on file and charge them after service. If they want per-push flexibility, they should concede to adding their card info on file to make things more convenient for you. It takes 1min to do it, the office can't see the full card number on our end, and they can take the info down at the end of the season.