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I'm not familiar with using the authorize.net gateway, but quite a few people here have used it.
I'm assuming you need to have a test account with them and test card details.

I would go through the testing and see if it works or not.
Then check these threads for help with any issues - There have been many who have done it:
https://nbstore.codeplex.com/discussions?searchText=authorize.net

For the pay by cheque settings, there's nothing you need to do. It is enabled by default. Just make sure you have completed the merchant.... templates in the back office with the relevant banking or other payment details. That information is sent to the customer when they choose that method.
Regards
rob

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