The OMNY system in NY doesn’t require you to install an app on your phone. It’s tap to pay with any credit or debit card, even apple or Google pay. If you want you can still get a physical OMNY card and refill it, but it’s not required.

Sounds like a skill issue on the author’s part tbh.

Also fuck physical checks, online payments are 100x better. Writing all of your baking information on a slip of paper and handing it to someone is probably the least secure way to transfer money.