I have a lot of residential shoppers that use a credit card to spend my money for heating and A/C repairs.
I do not accept checks at all, and every once in a while an older lady will try to write a check for services and repairs.
Last year I was at a residential service call fixing a concern with the cooling system. One of the refrigeration lines was loose and it was causing no refrigerant to enter the system. The air coming out of the vents was just as warm as the air indoors. I quoted the customer a price for the repair and she never mentioned that she wanted to spend my money with a check. I spent about an hour on the repair. After I fixed the refrigeration lines, I did a full service examination and tuned up on the machine. I gave the lady a pretty good deal on the price for that heating and A/C repair services. She asked me to hold on for a second while she got her billfold. She came back with a checkbook and I told her that both of us did not accept checks at all. The woman told me that she did not have any cash and I told her that both of us took credit cards. She broke down and started crying and said that she did not get paid until the 1st of the month. She was trying to repair the cooling system 5 afternoons before she absolutely got paid. Writing a check was a way for her to have the repairs done now while she waited for the check to clear the bank.