I still collect, I enjoy it, builds loyalty and puts a face to the service. I've seen a couple of guys over here that have pay pal and bank transfer etc, but they lose custies through no, or little contact. Not forgetting that I have very compact areas, as all my Brit custies live on estates and nearly all know eachother to a certain degree.
Germans pay cash or bank, haven't seen anyone use a cheque since the 80's and then it was those EUROCHEK thingies that were guaranteed up to 200 quids worth of Deutschmarks.
I tried SEA's twice, but next to no response. So I stick to collecting within 3 days of finishing an area.