While it's not technically spam that this startup is trying to fight, it's in the same vein. Thus: http://craphound.com/spamsolutions.txt

In particular, somebody who is used to writing checks may not be able to switch to using only a debit card.

I wish I could stop using checks, but they are still the lowest common denominator when dealing with some services.

I like it. This service may have prevented me from paying $74 for 4 "cat's meow" toys. True story.