[XERQ]

Not quite a SaaS company, but I'll chime in anyway. For SSD Nodes we've done "trials" for enterprises with an explicit expiration date where the service gets disabled if we don't receive their payment. This tightens our AR and incentivizes them to push the payment through their channels faster.

Sometimes a dev from a large company will test us on a smaller package with a company credit card and expand from there after we push them through the sales funnel.

Most of our enterprise clients pay using either ACH or check, while the remaining typically use credit cards.