topr8 - 6:33 pm on Jan 18, 2012 (gmt 0)

>>Checks by Mail don't involve a merchant fee

true, however, my bank account 'receives' electronic payments from my card processor for free, however i get charged for each cheque i pay in, plus someone has to physically take time to go to the bank and pay the cheque/s in, so there are costs involved with cheques too. (maybe you don't get these charges in the us though?)