[prepend]

I worked an a site that did lots of ach transactions.

We had so many support tickets and errors from people making errors with entering routing and account numbers. Like 20% of all new payees enters bounced back or went to the wrong place. This worked out because new payees were rare since people typically pay the same people over and over.

I think HR does the cancelled check thing because the risk of error is so great and consequential. If people’s paycheck fails, that’s bad.

Walking people through cutting and pasting is harder than “give me a check.”