I could have elaborated a bit...

When the 10th occurs on a weekend or US Holiday (e.g. a Monday), the payment has arrived as early as the Friday before.

I find that even with "top level" banks, incoming ACH can be unpredictable on a Monday, or on a Tuesday after a Monday US Holiday. That has not as much to do with the Vendor payor as it does the ACH network and "my" Bank.

As the US tries to fix the financial system, I wish some concern could be put on making ACH be 24/7, or at least 7 days a week, instead of 5 or 6, minus US Holidays, as it is at present.

Same with credit card posts - payments and credits.

I've not had Canadian Holidays affect me with ePassporte (yet). Payoneer takes Saturdays off, but I've not (yet) had that affect me and my Vendor that uses it.