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It becomes tricky because programs used to just keep Epass loaded with enough funds at all times.
After Epass imploded many only keep in Paxum what they need and load funds for each pay period. The problem is Paxum is unreliable at best in posting those funds to accounts for disbursements.
Affiliates getting paid by Paxum think their payment is running late even though the program did everything possible to get it there to get them paid out on time.
You certainly cannot fault programs for not wanting to keep extra funds in Paxum.
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