As a CSR at a fuel company who regularly deals with many types of people:
It’s not “Americans haven’t heard of ach/eft”, it’s old Americans who refuse to use it.
I have multiple overly paranoid nutters who insist they must hand their check to my driver or some evil spirit will take their money from them in the night (these are not pleasant people in general, either, so I think it’s that they like forcing an interaction with their nasty asses on my driver’s)
My last apartment complex charged like $20 to pay online vs no extra fee for getting a money order from the post office. No idea why
could be because they use a service with fees for their online payments, but I suspect it’s also because they expect people to cough up a bit extra for the convenience.
I’m in Australia and where I live they’re required to have three options for paying rent. Two were incredibly inconvenient and one was online and had a fee. Pretty sure they’re just scumbags.