I used the direct pay from the program only once and it messed up. The bank refused the transaction so my client sent in a payment using a voucher only to have the bank accept the prior refused direct pay. Creating a huge mess for me and the client.

After this I do not use the program to make the payments and have Clients either send them in with vouchers or make the payments using any other means. I refuse to take responsibility using the program's payment system.