rodfac ....I always pay with a USPS Postal Money Order which makes any hanky-panky a Federal offense.
The "Federal offense" occurs NOT because a USPS postal money order was used, but because the "hanky panky" involved the U.S. Mail. No matter what is mailed as payment, it would be considered mail fraud if the buyer never sent the item.
A personal check, WalMart money order, bubble gum wrappers, or pennies wrapped in an old sock are treated no less than a USPS money order.
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Plano, Texas...........the Gun Nut Capitol of Gun Culture, USA https://www.youtube.com/watch?v=pELwCqz2JfE