Question   How do I set the software so that access to the Member Area is not given until after payment is received?

A. Yes, our system does compensation tracking.

We have a feature called "Direct Payment" which requires a Pro software and allows Members to get paid directly to the merchant account they specify.
Otherwise, you would collect the money from the sale, and then there is a report in the members area showing commissions earned for each Member for you to make payouts.
There is also an export to PayPal and AlertPay which allows you to import a file into either merchant's members area and pay everyone at once.

A. Yes, people can purchase external billing products without being a member.
It creates a contact for the record of the client and the sale is attached to the contact.

A. You can do it either way.  By default it asks for their payment information upfront.  So they enter their card details (or go to PayPal) but are not billed until 14 days later.

A. Yes, there is a section called "Manage Email Templates" where you can create email templates to use multiple times. 
Once you've added an email template, you can use it by clicking the red email icon in the editor.

A.

Yes, in the Share page "referral program" click export to Excel icon

Using this feature you can export a csv file to use for mass payment in PayPal or Payza, and it marks everyone in the report as paid when generating the report.