When someone is called for Jury Duty, the process of compensation for time spent in trial is burdensome. Checks are issued after the trial is completed, and mailed to the individual, which can sometimes take weeks. Sometimes these checks are mailed to wrong addresses and the individuals never receive payment. This costs staff time, additional mailing and check costs, and large amounts of frustration for both parties involved. When checks are never cashed, or funds go unclaimed, State escheatment laws come into affect that cost even more time and money.

Market researchers estimate the cost of issuing paper checks to be nearly $10 per check. Contrast that with the roughly $1 per transaction for electronic payments (ACH). Labor costs comprise the largest expense incurred from in-house payment operations. But there are also costs for materials like printers and envelope stuffing and sealing machines; postage; and supplies, including highly secure check stock, MICR toner, and envelopes. Businesses will also pay bank fees and incremental charges for fraud protection, such as positive pay, check reconciliation services, and retrieval of transaction history and check images.