Standardized payment tickets that can be used to pay rent, utility bills, personal payments, etc. have been in use in Brazil since the 1980's. In the system th

Standardized payment tickets that can be used to pay rent, utility bills, personal payments, etc. have been in use in Brazil since the 1980's. In the system they have over there any person can print out a sort of invoice that can be paid in cash at the teller window at any bank or at an ATM or your own bank's website. It's useful since people often don't have bank accounts but need to pay bills. All the banks are on this network and any bill issued by any bank can be paid at the teller window for any other bank. Look up "brazil boleto bancario" if you want to research how it's done. The system isn't perfect, but it's quite serviceable and commerce in that country would grind to a halt if it stopped working. Nobody uses checks to pay for things like credit card bills, utility bills, rent, etc.