Should be super-simple to add an option for us to allow customers to pay via cash or check at checkout.  If something like this already exists, would someone please let me know.  This is my last big hangup before commintting to Zen. . .

IF anyone has a workaround, I'd love to hear it! 

I have not investigated the paypal option fully yet... (sorry, been buried in work lately) but I know that paypal usually accepts e-checks from someone's checking account... is that available here?  otherwise you'll have to do everything self-fulfillment, and then you can collect payment whenever and however you choose, directly from your customer.   But you'll also have to handle the ordering and shipping/delivering for and to them as well...

 Thanks Kevin - it's looking like that's my best option.  I wish that I could just do paypal, but living in the deeeepep south, I still have enough customers that aren't tech savvy or are scared to use paypal:) 

I have heard of several people who are afraid of paypal, but for the number of transactions they pump through their system (sure I don't know what that number is, but a quick look at any purchasing on the net will show you most EVERYONE offers paypal so you know it's pumping tons of traffic) I never hear of any real issues or security breaches.  The worst you hear is the number of emails we all get telling us there was a problem and we need to 'click this link' to login to our account to verify something...  pfffffffft.    (I hope everyone here knows not to EVER EVER EVER do that!)