Waiting period before payment processed

Hi, I have a subscription site where members get approved before they can sell products.

If I approve the member first and then take a credit card I slow down the call to action sales process and possibly lose customers.
If I receive a payment and then verify a customer and deny him, I believe that I owe a fee to Paypal.
If I set a free trial and don't get the credit card number right away I can also lose the customer.

Is there any way to collect credit card info and not run a charge for a couple of day?
Or any other recommendations on how I can do this better?