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There is also the option of not telling the surfer about the delay on processing checks. It would irritate surfers to complete the form thinking access will be given instantly only to find out they have to wait 2-3 days, but it is an option. Just be careful not to phrase your marketing as instant access from the check join page.
It is a little deceptive but in this business, it wouldn't be anything new. Just a thought....
By the way, i'm hearing paypal payments are starting to get quite popular, especially as an alternative to checks. May want to consider it...
WG
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