A raincheck does not guarentee a product, it only guarentee the products price WHEN/IF it arrives. I don't understand why you would have to pre-pay for the product with a raincheque. That does not add up.
A raincheck does not require payment. Why would you pre-pay for a product and need a raincheck. If you are paying to the product at time of the sale, you don't need a raincheck.
Besides, you are not out the $$. Just get your money back with your receipt.