We noticed a few customers running our Magento web-to-print extension didn’t configure their payment rules correctly and are open for a bit of a rip off.
Namely, if you set your billing rules in Magento to credit card only for certain countries and not the others, then those others have an option of paying by money order. It means they have a free run if you allow file downloading.
By the way, did you look at our latest stable release?
Several improvements in there and more in the works. Order approval is one of them. Let us know about your desired approval process. We try to make the process as generic as possible, but yours may have some interesting twists we need to know about.