They send each other checks. Actual piece-of-paper checks.

To their credit, they've got it to the point where I can take a picture of the front/back of the check with my smartphone, upload the photos to my bank's website and deposit it that way, but the first time I did this I felt really weird about the whole thing...

On my backlog is to write an app that displays a check on a tablet where you can put in your details. Then have someone take a photo with their bank app of your tablet. I bet it would work .. and show how absolutely assine and archaic we are.

In every other country I lived in, I never ordered checks, or used checks. In the US, even if I bill pay via my bank, it mails out a physical check to company it doesn't have an ACH policy with (like landlords)

I imagine some of the pictures are randomly selected for manual review, and especially any pictures that the bank deems the least bit iffy.

Unless you'd like to hire lawyers to help you with a fraud case, I'd recommend not taking that our of your backlog.