I have two questions when it comes to the publishing process and was hoping I could get an answer from someone who has already been published. 1. When is a good time to tell the publisher that you want to use a pen name to publish under? To me it seems kind of odd to ask in your query letter because the publisher hasn't even read your novel yet and your already asking to be published under a pen name. 2. In terms of payment, lets say the publisher does agree to publish your book, how does the author go about getting paid, does the publisher send you a cheque? Can you tell them to directly deposit what ever money you make into your bank account?