Hi Marcia,
Just a suggestion that I think we have voiced in the past….
It seems your payment processor is not consistent with the amount of time to process our payments, maybe some kind of understanding between you and them as to when you guys need to have them out so we can get our payment, as your website promises on the fifteenth everytime rather then the shifting of blame come the fifteenth because you guys sent them out on time….
Every fifteenth I expect the money and every month its a three to four day longer wait and it sucks because I plan for that cash. Four days without it is very hard.