When you are into a business, you will be making use of specific payment system, either cash payments, electronic payment or digital payment. The electronic payment system is what I want to discuss here for now. This payment system involves making use of banking electronics facilities to pay for goods and services or to receive sales proceeds from customers. This facilities are as follows: ATM, Bank Mobile App, Point of sales terminal as well as internet banking website. To be honest this good services from banks has done a lot of goods than harm. It is a convenient mode of settlement, very fast and secured but it has its own challenges such as error dispensed, declined but debiting without immediate reversal, transfer failure but debiting the source account and so on. The above challenges has caused a lot of emotional issues, stress, financial losses and embarrassment for many users of electronic payment system. Have you ever faced any issues in using any of the online banking facilities? If yes, kindly share your experience so others can learn from it.