Coding against non-payments

[elricstorm]

I'm noticing that lately half the recurring payments I take in are not being paid. So, the workflow that is occurring is:

1. User gets redirected to Paypal.
2. Paypal creates the recurring profile.
3. Paypal redirects the user back to my site.
4. Payment is sometimes taken on the spot or taken anywhere from 30 seconds up to 24 hours.
5. Meanwhile, user is able to use all of the services on my site without having paid.

I've checked and there's no way to code against the Paypal summary because of the delay in payment. What would happen is that all users would be denied services until a payment is verified. But, this could be very slow, especially in the case of waiting up to 24 hours for a payment to be processed. There also appears to be a payment/time stamp issue on payment collections depending on how close to midnight the payment is processed.

So, what I'm trying to find out is there anyone out there that has seen this type of issue and how are you coding against these non-payment scenarios? Are you creating an hourly recheck?

Any help would be appreciated. I love this gem and I'd like to not have to change it.