[Avodah] Paying your workers on time using electronic payments

[Marty Bluke]

R' Akiva Miller wrote:
"It seems to me that many of the questions being raised about credit cards

are not really new at all, and are easily compared to older questions
regarding payment by check. For example, one of my seforim points to a
difference between the common practice in Israel and in the US: In Israel,
many merchants will accept a third-party check as payment, and therefore a
paycheck can be considered as cash (in terms of the employer's mitzva to
pay with cash). But in the US such checks are accepted far more rarely, and
so it is not considered cash. (Personally, I'm not sure if I *ever* "spent"
a paycheck in this manner, except for some supermarkets that allowed it
*IF* I would pre-register and fill out a few forms and such beforehand.)"

I think credit cards payments are different for 1 simple reason. When
you get a check you have a physical object on your hand that you can
take to the store and uses in lieu of cash. This is why the poskim
consider it cash. When you get a credit card payment you have nothing
tangible to take to the store. You may have money in the bank but you
have no tangible way of spending it. Now, if you have a debit card
that can be used to spend that money it might be different, but at
least in Israel, people don't have debit cards because credit cards
are sort of debit cards (not for now). So even though the money is in
the bank you can't directly spend that money.
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