You’ve all seen the commercial…the checkout line at the local nursery is moving smoothly and quickly, the sun is shining, plants are blooming, people are smiling–suddenly a customer wants to write a check for payment. Immediately the scene changes–plants wilt, birds stop singing, the sun goes behind a cloud…you get the picture.

The commercial is all about using Visa as a quick payment vehicle. But, let’s be honest. Consumer habits are hard to change. Yes, we’ve all seen the data that says electronic transactions (credit card, debit card, ACH) are on an upward trend and check volumes are declining, but these reports don’t tell the whole story.

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