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I really can't imagine a site NOT taking checks, unless they want to cut off 10% of their bottom line profit and try to make it up somewhere else.
Yes, there are lots of reasons that checks come back, and yes, a percentage of them are going to come back.
If you pay your affiliates on cleared checks only, all you stand to lose is some bandwidth on the bad ones, and unless you are paying 1997 prices for that, you aren't losing nearly what you are gaining...
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