Currently, all you ask for is the name, routing number and account number. Note that no notification is sent and no warning so anyone who has a copy of my check can use my account fraudulently.

For credit cards, there are much better security features to include getting an email each time there is a charge on the card.

Payment by check like you are doing it is absolutely horrid security and would fail any security standard.

Jens Laundrup, CISSP