Shopping Discussion

Why push online payments when it is slower?

  • Last Updated:
  • Jan 7th, 2020 12:51 pm
[OP]
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Sep 6, 2017
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Why push online payments when it is slower?

Alot of utilities, credit cards, insurance premiums, parking, macdonalds coffee can be paid online through your bank or apps. All of the time the transaction goes through immediately and everyone goes on their merry way.
Not with Quebec government payments. I made a payment on Dec. 27, 2019 during the evening, but today they still did not receive it. What is more funny is that they need till tuesday Jan. 07 to know if the payment gone through. Why they need 30, 31, 03, 06, and 07, a total of 5 business days? I would accept 1 or 2 days like my credit card company. So why would Quebec government push for online when it is obviously that at the counter is better?
I had to pay again at the counter since this was a car registration and wait for them to issue a refund check for the online payment. What a waste of time and resources.
9 replies
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Nov 6, 2010
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Probably has to do with the holidays and nobody working or many people taking off even those 5 business days.

In terms of new technologies, large institutions and public entities tend to be the last on the last of implementers. Doesn't help that each layer of government and even each department is run separately so they'll adopt slightly different versions of different systems. For example, online SAAQ payments tend to be pretty fast from my experience.
[OP]
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Sep 6, 2017
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uber_shnitz wrote: Probably has to do with the holidays and nobody working or many people taking off even those 5 business days.

In terms of new technologies, large institutions and public entities tend to be the last on the last of implementers. Doesn't help that each layer of government and even each department is run separately so they'll adopt slightly different versions of different systems. For example, online SAAQ payments tend to be pretty fast from my experience.
My experience today was slow and paying at the counter incurred extra fees. Wonder if they will refund the 1st payment without fees or the 2nd payment with fees? Logically they should refund the 2nd payments.
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Dec 22, 2010
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My on line payments goes through in 2-3 days. The trick is to pay well before due date.Smiling Face With Open Mouth
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Without resorting to the obvious Quebec jokes. Administrative time is real. Taking a stab I. The dark databases get refreshed once a day someone needs to validate things.

Many even private business are using heavily legacy tools often times DOS like and when they try to improve or change things often don’t go well. Just look how poorly air Canada’s Amadeus translation went and is still a hassle.

If you’ve worked in large corporations you’ll see it’s fairly common.
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Anything the government touches turns to shit, obviously. Unlimited taxpayer resources and accountability limited to the small number of usually non-vocal people that take notice.
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Aug 19, 2010
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It’s probably just due to volume/administrative constraints and inefficient system in place. Maybe the government agency only has one person that processes/applies the credit card payments and might not just be doing that all day as part of their job. They would receive the payment right away but the payment has to be manually applied to an account by a person. I would blame it on inefficiencies lol.
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insync44 wrote: My on line payments goes through in 2-3 days. The trick is to pay well before due date.Smiling Face With Open Mouth
Electronic payments taking any longer than one minute is unacceptable in this day and age. This 2-3 days and weekends-dont-count nonsense still exists because the e-payment system is nothing more than a front end to the 1960s paper cheque clearing system that still forms the back end of it. The system was antiquated even 15 years ago; back then I would never have predicted that it would still be in use in 2020.
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Quebec doesn't take credit card payments?

Those are instant.
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Nov 26, 2012
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lol It is government and Quebec. What do you expect? It's probably processed manually. Some companies are better than others in their process (e.g. automated). I find most utilities and credit card companies need 3-4 days. Amex only needs 1-2 days. Government I like to give 7-8 days but they usually don't charge fees if the payment day is before the deadline (even if processed afterwards).

Also, just because it is an electronic payment doesn't mean it gets processed right away. You may pay at 2:35pm (day 1) and it gets 'removed' from your account balance but the bank doesn't actually send it till 6 or 7pm. Then the recipient bank gets the money pretty much right away but doesn't post it in the account until 10am-1pm the next day (day 2). Receiving bank has to check all the amounts. Then the company AR accountant doesn't check transactions for the current day until the following day (so you are already on day 3). They have to download and then upload the list of payments/accounts. Then they reconcile it and it gets approved in the system by their supervisor. And only now is it actually applied to your account. If there are any discrepancies or issues, it has to be escalated with the bank. Possibly 1 day delay for that. Now you are on Day 4. Hence, most companies recommend paying 5 business days in advance. In fairness, many companies apply the payment as of the day they received it, not the day they processed it.

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