I have been a Paytrust customer since 2000 and aside from poor customer service (which I try never to call) the legacy platform has worked most of the time. The new platform / interface is very poorly thought out and while I have been able to make it work, it does appear to have been developed by junior code writers with no input from actual users and seems like it had little or limited beta testing. I've spent almost 50 years managing software engineers, software developers and I've never allowed an app out the door without hours of customer input / testing / testing with parallel data sets. Worse when trying to "help" Paytrust correct some of their most egregious errors and omissions, I receive a thank-you email and "we'll pass it on to management..." It would appear that management IS the problem and if they don't engage competent help, they will be left behind with few customers. This apathetic attitude is what allows me to say "thank you for allowing me to find a new resource" for bill pay. I have resisted moving to bank bill pay for my personal payments, but unless there is a rapid response with results from Paytrust, I will move on.