KimmyKim,
Thank you for the thorough answer. I appreciate that.
I had been considering offering checks as a fall-back option (credit card fails? send them to check page) but I was not sure if that would make a real difference. We're not getting a ton of credit card declines, so unless *all* of them would use a check, I don't know if it would make a big difference.
Also, what do people think about offering different options on checks? (Either as a backup option, or a primary one.) Anything from only offering one-month memberships (rather than our 3 and 6 month ones), to only offering the longer ones, to charging a premium for check signups. Good idea? Bad idea?
I am currently thinking along these lines... Use checks as a backup only. Offer a few signup options, maybe not all of them-- but charge a premium for checks to help make-up for fraud. (If the premium were high enough, I think it might also work to push people towards credit cards.. but I think that would leave the door wide open for fraud, more than anything.)