if ( $payby eq 'CHEK' || $payby eq 'DCHK' ) {
my $payinfo = $cgi->param('payinfo1'). '@';
$payinfo .= $cgi->param('payinfo3').'.'
if ( $payby eq 'CHEK' || $payby eq 'DCHK' ) {
my $payinfo = $cgi->param('payinfo1'). '@';
$payinfo .= $cgi->param('payinfo3').'.'