When the history of the paper check is written someday, scholars will not note it was the best payments form, nor the fastest, cheapest or most beloved. Paper checks in the closing days of the 2010s are not only less than beloved, they are also widely disliked. Consumers almost never write them and don’t really enjoy getting them, and businesses don’t particularly like cutting them since they’re expensive, inefficient and present a host of security risks.

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