Maybe I'm an idiot...but I'm wondering why a bank check wouldn't work better for you. A secured check written out by a bank. He pays them, they send you a check. If he has a "real" checking account, most if not all banks will do that and take the money immediately out of his account so they are assured the funds are good. I think all banks will do this, but there's probably some exception out there that I don't know about.