Same issue! For the second time already! We came to rely on the time frames: clients pay before 5pm via ACH - we get payment in the bank next day. We are small business with tight margins - we cannot afford waiting 5 days or more! All small businesses need their money yesterday!

The only reason for this is they want to use our money to make money while we our our employees who live pay check to paycheck have to wait 5 + days!