Could you think about make available for user to choose between a Paypal paiement or send a bank check?
Actually if people don't want to use paypal they still have to click on pay by paypal and then to close the page. If then, they don't get email receipts.
Thank you for your feedback.
We have seen other users having the same issue that you described above, please take a look at this post, http://forums.adobe.com/message/4399918#4399918, and see if the workaround described there can help you.
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