For me it's services that I will pay by check for, not goods. My dog groomer took me a long time to find someone that would actually listen and not try to over-groom my dog. (Just bathe him, trim his paws and ears, and send his ass home! He's a golden, do not cut off his chest fur, or his pantaloons, or his arm feathers!) And our gutter/tree guy because he legit charges half what the other larger companies in the area charge, does good work and cleans up after. I would rather give him a check than pay twice as much (not kidding) to the big corpo place via card.