Depends on your app and how sticky it is, I'd say. If it's one of a thousand other services out there then you are probably better off after. If it's unique i

Depends on your app and how sticky it is, I'd say. If it's one of a thousand other services out there then you are probably better off after. If it's unique in any way then you may be better off after. If it requires the user to input a lot of data, not be able to migrate it out, and becomes indispensable to their work flow then you may consider after. So when go with "before"? After you've launched, created a market of trust and are backed by many, many satisfied cheerleaders (clients). The word of mouth will lead to the easy overcoming of that trust barrier that leads people to reconsider handing over their CC#.