I think what you should look into is RADIUS. It can authenticate your users, but it also does accounting. Basically, it keeps track of how much each user is using.
An easy solution is to use the captive portal with WirelessOrbit. They charge $20 to set you up, and other than that it's free. WO is setup to be a HotSpot billing system, but you can easily create free accounts. WO will allow u to create several accounts with usernames & passwords (or can use MAC addresses as well).
I set it up on my pfSense box, it's fairly easy, but there are a couple gotchas.
Aaron
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