Replace Payments by Checks with E-Transfers (email money transfers)

Hi there - our organization is considering a change in process whereby we would no longer issue paper-checks for employees without who have not setup direct deposit information.  They would like to see the ability to pay people by email (e-transfer) instead.  So, first choice is to pay employees by direct deposit, and then everyone else would be e-transfer, instead of paper checks.

Has anyone else had this request, and if so, would you mind sharing how you've implemented this in PeopleSoft Payroll for North America.