> How do they prove its fraud as opposed to you reneging on a valid check? "Here is the picture of the check that I put in the mail" > they should be willing

> How do they prove its fraud as opposed to you reneging on a valid check? "Here is the picture of the check that I put in the mail" > they should be willing to do the same for epayments. Leaving "should" aside, sadly this is not how it works in practice.