SO MANY ISSUES, SERIOUSLY. WHAT A HASSLE!!

I have been having issues with making online payments since I opened my business accounts.

1. OPT to confirm payments take AGES to come through so I have to keep requesting new ones as they keep expiring before I even receive them. Can sit and request new code for HOURS. Such a waste of my time as a business owner really!

2. Can't do payments between 00h00 - 07h00 in the mornings. When I try do payments for the 'same day' early in the morning it keeps saying change date to a future day (so it only goes off the next day unless I wait until after 7am to make a payment for the same day). As an entrepreneur I work odd hours and sometimes do my payments in the early hours which is when I have time to do so. Not being able to make payments whenever I need to, serious problem.

3. When payments are made INTO my account, I get an sms stating MINUS x amount has been deducted from my account. Some kind of glitch which I have reported months ago but it's still not sorted out.