Same here!

First delayed payment happened supposedly due the the sum being too large.  Had to wait week and multiple phone calls, begging etc.  This time not too large amounts (30K each) but two payments delayed at the same time!

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 to use our money to make money while we our our employees who live pay check to paycheck have to wait 5 + days! Disgraceful!