This is an easy one to answer. Your contract should state that the entire unpaid balance is due before delivery of the final product. And yes, this works in conjunction with taking a 50% deposit. This way, they have money on the table they will not want to walk away from, and hence their willingness to pay at the end is much stronger. If for some reason the arrangement won't allow for this setup, you can provide a heavily watermarked version until they pay, but we NEVER give the goods without pay.
As soon as the client gets what they want, their interest in paying will always "taper off" to put it nicely.
Brendan Coots
Splitvision Digital
http://www.splitvisiondigital.com