Congrats on another contract! That's wonderful

-I *always* take a substantial deposit (at least $XXX) from new clients - it's held against six months of regularly paid invoices.

-I only ever offer 'credit terms' on large projects such as websites or software design that would be invoiced as a whole (rather than every two weeks like everything else) and only for invoices totalling over $X,000. I offer 3% for 3 months, 6% for six.

-Rates are rates, regardless of where your client is - that's just my opinion. It would seem unprofessional to me if someone wanted to charge me more based on where I'm located - of course if they wanted to charge me less based on the same criteria I'd be pleasantly surprised - but there's no real logic for that, I think.

-I also only accept Paypal. I did used to accept direct deposit and the random check but that just got to be a nightmare.

In short, I don't think it makes much difference where your client is located - whatever your business policies and general way of doing things are should apply all the way around, if for no other reason than to streamline your own business practices and make things easier for you as a business owner.
If I start making additional 'sets' of operating procedures and rates it really only makes more work for me, which I have enough of already

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