What a pointless waste of bandwidth.
€20 to pay with a visa card as that is the only way to pay?
As has been mentioned countless times on here, and is pointed out on ryanair.com, the Visa Electron card doesn't incur a fee.
Why should a predominantly internet based business accept payment by cheque when most retailers in the UK no longer recognise them as a form of payment? Why should I, as a consumer, incur additional costs relating to the processing of cheques, that a minority would choose to pay with?
You've chosen to check in one piece of hold baggage, no one is forcing you to. Again, why should I, a consumer who travels on most occasions with hand baggage only, subsidise passengers who wish to take hold baggage (incurring the airline more costs)?
Out of interest, what route will you be flying on? Did the route exist before Ryanair's arrival? How much would it cost to fly with a competitor?