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My solution to the problems mentioned..
I don't use auto-withdrawal, because I don't trust them taking out the right amount... but I still process the transaction over the web with the credit/debit card.
The "paper trail" is the same for an electronic transaction... you get a confirmation number that the credit company uses to track the transaction, and you get a receipt that you can print out, or just save on your computer. This, in fact, is better than a check- because if you mail a check, you have nothing to prove you actually sent it to them other than your word. If you pay online and something happens, you have your confirmation number.
If a place actually charges me to use the debit or credit, I will not do business with that place. I know it costs them money to do it, but very few places still charge, that i've ever seen around here anyway.
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