Delay Admin Bar appearing until specific page is accessed

I have my whole site set up to accept payments then they can access the rest of the site. But even if they don't complete the payment process, they seem to be able to access the admin bar.

I would like to delay the admin bar until a certain page has been accessed (which is behind the full registration).

User can not see admin bar until _____ page is accessed then it's accessible from that point on.