When you purchase a cashier's check from the bank, there are ways of stopping payment on those checks if it turns out that the seller that you are buying from is fraud or if the check gets lost in the mail. With cashier's checks you do get a receipt where you can say that you did send him the check if anything goes wrong, if he is a fraud then you'll be able to take that to the attorney general and file a claim against him. whereas with an electronic transaction you would be able to file a claim with your bank's dispute department and they can try and get the money back for you through a chargeback.
