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Description:A cheque differs from a warrant in that the warrant is not necessarily payable on demand and may not be negotiable. A tele-cheque is a paper payment item that resembles a cheque except that it is neither created nor signed by the payer—instead it is created and may be signed by a third party on behalf of the payer. Non-banks are not permitted to issue cheques in their own name but may issue, and have drawn on them, payment orders which functionally are no different from cheques. Where cheques were used they have been declining rapidly, by there was negligible consumer cheque usage in Japan, South Korea and Taiwan. Most banks need to have the machine-readable information on the bottom of cheques read electronically, so only very limited dimensions can be allowed due to standardised equipment. A lost or stolen cheque can still be stopped like any other cheque, so payment is not completely guaranteed.

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