Sorry if this questions sounds dumb, but here goes. I have a developers license, and I plan on creating apps for clients. If it will be a paid app, isn't there a way to put the app through with the clients banking info for payments of his app. I am only getting paid for development. Or, does the client have to pay the $99 also, and then I manage it through that account.

This is a good question and there are a few ways devs. are handling it. We have EXTENSIVE experience in this area and totally understand the pros / cons of each. a) You submit apps against your account in iTunes. Your name ALWAYS shows as the developer. Sometimes good, sometimes not, depending on your clients needs. In this case, you are the app owner in Apple's mind - they pay you when apps sell. b) You create an account for your client, they pay Apple the $99.00. They own the app in iTunes, they get paid when it sells. It's our opinion that submitting apps for clients under your account is NOT ideal. We think clients that pay for apps should have total conrol over their forward facing reputation in iTunes and there apps should not be co-mingled with other apps created by the same dev. Of course we realize that lots and lots of services are commoditizing the app-submittal process in an effort to make a few bucks. But, we think they are doing there customers a disservice by plopping them all togher with their other apps. Apple agrees. Apple does not like this appoach either an can instantaly remove all apps by one developer (all that developers client apps) for any reason, at any time. That's a very risky thing for client that HIRED someone to make them an app. Our advice: a) Make an app in your control panel b) Sell it to your client, or develop it for hire from the beginning c) Help your client setup an iTunes account (not tough) d) Submit it to iTunes for them. They can add you to their Apple Dev. Team so you can log into the Apple Control Panel under their account. e) Charge them an ongoing fee to maintain the app. Lots of folks are doing this, we're happy to help them.

OK, so if I create the account for them, can I still use the xcode on MY machine and test with MY iPhone? While testing, do I still use my code signature while developing? If I get this straight, I can do it this way, but when ready to take it to app store, I log into their account???

Yes, you have the right idea. One important tip: When you compile an applicaiton on 'your machine' then upload it to iTunes while logged into 'their account' - be sure to save the Code Signing files associated with your machine. Do this so you can later move the application to another machine if you want to. This is important if you ever need to submit an app update to iTunes, you'll need to make sure you are using the same Code Signing stuff. Google this for more info, you get it ;-)