Memberhip

Hello,

i want in membership plugin that, a user can register without membership plan but can upgrade his membership at any time he want, till upgrading he can access free content, i am in india, here every person has no credit card, so i want to do that user can register & tell us to upgrade his/her membership manually though us (After giving us payment manually or internet banking), so i want when a user come to site then he can access the free content but after registration, or if he has credit card then he can upgrade himself. i am confused between access levels & subscription. please tell me how to do this. and how to show registration form to user before pay, i want to fill user information before he pay ( he is free user or paid in both cases). thanks