Btw., being from the Czech Republic, I have never used a cheque in my not-so-short life. The bank transfers take here from 0 seconds (within the same bank, costs 0 in my case), through a few hours/usually (within CZ, costs 0) to around two days (within EU, costs 0.7€). Paypal is used here because of the ease to pay abroad and competes with Visa/Mastercard mainly.