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Writing not from Poland, but from Czechia, which is similar. I have only seen checks arriving from the U.S., never used for payments within Europe as such. If you receive an invoice to pay, it will have the correct account number on it. Also, nowadays, many merchants include a QR code that makes payment with mobile banking app much easier. You just start the app, it activates the camera, reads the image and all you have to do is confirm the transaction. Very fast and with few possibilities to make a mistake. Landlords will give you their account number as well, it is usually written in the contract. If transfer fails, it is your problem. I am not sure how Americans handle bounced checks, but if someone gave me a check that I was unable to clear, I would suspect them of fraud. B2B is mostly wire transfers and sometimes credit cards. Bookkeepers prefer wire transfers, because matching them to invoices is usually trivial nowadays. Any good accounting program will do that for you. As for privacy, I would feel a lot more comfortable giving someone my account number (they cannot really do anything bad with it) than my postal address. And if your business is a VAT payer, its account number will be publicly listed by the tax authority anyway. |