Hi there, we did this using a different method, Each person / creator need to charge for content, so we changed the add groups form to make it clear and crisp and set in stone what we wanted then they pay for membership to that group, You can put as many videos or pics in it as you like but its membership only a group can contain just one video if need be, Payment we don't use credits we use other providers , My choice was not to use credits and have my own internal currency they purchased but for standard cash per group, why it made more sense to get instant payments and allowed people to spend what they wanted without having to buy credits it can limit someone who only has a small amount of disposable income to buy more then they need example: they have to purchase 30 credits but are only spending 10 of them today, We are quickly turning into a world of watch what you spend so I class it as Pay as you go system and it works. Hope that gives you a little insight. Simon