Don't know how many folks may already be doing this, but wanted to put this here if it might help someone....

I actually take checks and money orders as part of my business and will have this as a payment option on my site. A side benefit of this is it allows me to test the entire order process without using a credit card.

For those of you only accepting credit cards, you might consider adding Check/Money Order as a payment option during development. That allows you to complete the check out process, see the confirming email, etc. without putting $$ on a credit card.