I have a Ning account that I would like to charge $4.95 a month and be payable via my PayPal account. I'd like it to begin at the Sign Up page and then bill the person each month for $4.95. If they do not pay the $4.95, they're account is suspended until they pay the $4.95. I don't want the $4.95 to accumulate, but just charge them $4.95. If they don't pay this month, or they pay in the middle of the month, that's okay. But no running balances.