[vonmoltke]

Checks have lived on beyond their useful life, unfortunately. I think the only reason they still exist is the arthritic ACH system and the desire by some receipients to avoid credit card processing fees.

Still, while checks may still be a thing they're pretty rare and rarely required. Mobile and contactless payment is pretty common (outside the food service industry, but I blame the food service industry for that).

[mailslot]

Transaction & processing fees are no joke. Big or small, 3% of your revenue before profit, is a big deal.

It made sense as a convenience fee, until it became ubiquitous. Now it’s a tax that people are blindly opting in to.