Agree 100%.  Payroll profit margins are thin enough without the need to cover the Penalty for a client due to this nonsense.  I changed my clients password on 1/27/2021 when I noticed a reject email.  Unfortunately, what I didn't realize was another payment for the 1st deposit in 2021 also rejected and because the payment was scheduled to post on 1/27/2021 I didn't see the reject and because the deposit are usually the amount or w/i a few cents I didn't notice the payment was missing.  In late May the client received a notice he owes over $900 in penalty.  1st time abatement won't apply since we had the same issue in 2019 and had to use that up.  I'm wondering if I should request abatement due to circumstances beyond m y control.