Reliable but slow and clunky
1. It works. Have not experienced an outage or failure to date. Simple and straightforward 2. It’s slow though.. payments are not made next day anymore and now not until after 4pm on the value day. In this world of real-time payments that’s too slow. 3. Amendments are still clunky. Changing a credit card, an adjustment to rent amount or similar is either fiddly or requires assistance. 4. Card failures or declines are fatal and irretrievable situations that are only advised to the user the next day. It would be more helpful if this was escalated real time giving the user time to rectify or at least a heads up on the day.