[propter_hoc]

This is a really surprising comment to me. I also do many wire transfers and EFTs (used to run an investment company, so on the order of 200 incoming/outgoing EFTs and 4-5 wires per month) and have no idea what you are talking about. The only times I've had issues is either (1) when the banking information was entered incorrectly, either by a client or by my staff; (2) if it's a weird kind of trust account that doesn't accept direct wires and needs to go through an intermediary account, which is really rare.

I would really like to know what activity you are doing that is causing you so many payment processing issues.

Unless you are talking about LVTS which AFAIK is only used for inter-bank transfers? I have no experience with that system.

[TheNewsIsHere]

I’m not the OP, but anecdotally as an American who used to work for a Canadian company which handled cross-border payroll by wire from Canada, my experience was for the most part that our payroll person worked her ass off to get everything right each time and that it was quite a significant amount of work. The actual transfers would always settle on the date expected and as expected, but I was always missing $10. I took it as a professional expense (loss) on my taxes, and no one from my bank to TD (the firms bank) could tell me which intermediary was taking a fee. They had tried for years before I came along to get to the root cause of it. All the US based people had the same issue.